Coverage line

A taut rescue rope finds a path through a thorn thicket toward an open traveller’s hand.Illustration for The General Average

What Kidnap and Ransom Insurance Requirements Apply in Louisiana?

Louisiana allows surplus-lines placement through a licensed broker without regard to whether authorized insurers offer the coverage. Every such contract must carry a signed, prominent notice that it is outside the Louisiana Insurance Guaranty Association and Life and Health Insurance Guaranty Association.

What Is Kidnap and Ransom Insurance?

Kidnap and ransom insurance provides financial protection for specified kidnapping and extortion events and gives the business access to a crisis-response firm. Check who is insured, which events are named, and how territory and sanctions terms apply to your actual travel. Read the national Kidnap and ransom guide.

What to Watch for With Kidnap and Ransom in Louisiana

No Admitted-Market Search Is Required
R.S. 22:432 permits surplus-lines procurement without regard to whether authorized insurers offer the coverage, but only through a licensed surplus-lines broker. Compare any admitted and surplus-lines K&R wording on the named people, extortion triggers, travel territory, and response costs; the placement rule does not decide what the contract covers. ¹
Check the Signed Louisiana Notice
R.S. 22:433 requires a notice on each surplus-lines contract saying it is delivered under the Louisiana Insurance Code and that the two Louisiana guaranty associations do not cover it if the insurer becomes insolvent. The notice must be red or black-bordered, bold at least 10-point type, and signed by the placing surplus-lines broker; check the issued K&R policy itself. ²
The Separate Acknowledgment Is for Personal Lines
R.S. 22:438’s separate applicant acknowledgment applies to personal-lines policies. For a business K&R placement, ask for the §433 contract notice and the broker’s license details rather than assuming the personal-lines acknowledgment applies. ³

Which Kidnap and Ransom Providers Have Louisiana License Records?

These providers publish a national listing for Kidnap and ransom; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Louisiana. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹¹
Corgi lists kidnap and ransom among its specialized business-insurance offerings.

Who Regulates Insurance in Louisiana?

Louisiana Department of Insurance

The Louisiana Department of Insurance licenses producers and insurers, reviews insurance filings, and investigates complaints about insurance companies and agents. You can use its state lookup or complaint service to check a license or raise an insurance issue. ^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-259-5300

Surplus-Lines Tax and Stamping Office in Louisiana

Reported tax rate. 4.85% of gross premium plus a 0.175% SLIP+ transaction fee for policies effective on or after July 1, 2026 ^7,⁸

For Louisiana-home-state policies effective on or after July 1, 2026, the state charges 4.85% of gross premium plus a 0.175% SLIP+ transaction fee, which your broker may add to your bill. Louisiana's required policy disclosure says these policies are not covered by the Louisiana Insurance Guaranty Association; state placement and filing rules still apply.

Questions to Ask Before You Buy Kidnap and Ransom in Louisiana

Which licensed Louisiana surplus-lines broker is placing the policy, and can we compare an admitted-market offer if one is available?
Will the issued contract contain the §433 notice signed by the broker, with the required red or black-bordered format?
Is this a commercial K&R policy, and which people, territories, ransom/extortion triggers, and response costs are written into it?

Kidnap and Ransom Insurance in Louisiana: Frequently Asked Questions

Must a Louisiana broker prove admitted insurers declined K&R before surplus-lines placement?

No. Louisiana permits surplus-lines placement through a licensed broker without regard to whether authorized insurers offer the coverage. ¹

What notice must a Louisiana surplus-lines K&R policy carry?

The contract must state that it is surplus-lines coverage and that the Louisiana Insurance Guaranty Association and Life and Health Insurance Guaranty Association do not cover it if the insurer becomes insolvent; the notice must meet the format and broker-signature rules in R.S. 22:433. ²

Sources

15 documents, numbered as cited. Open the sources

Sources for Kidnap and Ransom Insurance in Louisiana

1
R.S. 22:432, Surplus Lines Insurance; Procurement. Louisiana Legislature; Current law, R.S. 22:432(A): placement through a licensed surplus-lines broker without regard to admitted-market availability. Accessed 2026-09-28.
2
R.S. 22:433, Endorsement of Contract. Louisiana Legislature; Current law, subsections (A)–(B): required policy notice, guaranty-association limitation, red/black border, bold 10-point type and placing-broker signature. Accessed 2026-09-28.
3
R.S. 22:438, Applicant Acknowledgment. Louisiana Legislature; Subsection (A): separate written acknowledgment for personal-lines policies. Accessed 2026-09-28.
4
Louisiana Department of Insurance. Louisiana Department of Insurance; Homepage and consumer services. Accessed 2026-09-28.
5
Insurance License Lookup. Louisiana Department of Insurance; State-designated producer/company search. Accessed 2026-09-28.
6
File an Insurance Complaint. Louisiana Department of Insurance; State complaint process and contact. Accessed 2026-09-28.
7
Surplus Lines Premium Tax. Louisiana Department of Insurance; Current tax/transaction fee and July 1, 2026 transition. Accessed 2026-09-28.
8
La. R.S. 22:433. Louisiana Legislature; Required policy disclosure; no LIGA protection. Accessed 2026-09-28.
9
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
10
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
11
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
12
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
13
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
14
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
15
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Kidnap and Ransom Insurance Requirements Apply in Louisiana?

What Is Kidnap and Ransom Insurance?

What to Watch for With Kidnap and Ransom in Louisiana

No Admitted-Market Search Is Required

Check the Signed Louisiana Notice

The Separate Acknowledgment Is for Personal Lines