Coverage line

A delivery bicycle carries one parcel along the last bend toward a waiting doorstep.Illustration for The General Average

What Last-mile delivery insurance Requirements Apply in Louisiana?

La. R.S. 45:201.6 requires $50,000 per person, $100,000 per incident, and $25,000 property damage in the pre-trip acceptance period, and $1 million for death, bodily injury, and property damage on a prearranged ride. The insurance changes in that section are tied to January 1, 2016, and July 1, 2019. R.S. 45:201.4 defines the service around passengers and riders. The Department of Insurance has said personal auto policies generally have a livery exclusion.

What Is Last-Mile Delivery Insurance?

Last-mile delivery insurance is not one standard policy: vehicle liability, vehicle damage and cargo protection can be separate. If your staff deliver orders in company, rented or personal vehicles, check each vehicle, cargo and worker-injury exposure in the quote. Read the national Last-mile delivery guide.

Louisiana Last-Mile Delivery Insurance Requirements

Requirement	Details
Pre-trip acceptance	$50,000 / $100,000 / $25,000 ¹
Prearranged ride	$1 million ¹

What to Watch for With Last-Mile Delivery in Louisiana

Two Effective Dates Sit on the Insurance Section
R.S. 45:201.6 marks insurance changes effective January 1, 2016, and July 1, 2019. Ask which amendment your quote is following if the form still describes an older split. The current text is the one to match, not a 2015 summary that stopped at the first date. ¹
Personal Policies Generally Exclude Livery
The Department of Insurance column from April 2015 says personal auto policies generally have a livery exclusion, and that insurers were concerned about the exposure. A driver using a personal car for paid passenger trips can be outside that policy as soon as the use is livery. Get the exclusion read against both the pre-trip period and the ride. ³
The Definitions Are Riders, Not Packages
R.S. 45:201.4 defines the prearranged ride and the company around passengers and riders. A food or parcel delivery is not that ride, so the $1 million figure is not a goods-delivery minimum. Cargo, if a shipper wants it, is a separate purchase. ²

Which Last-Mile Delivery Providers Have Louisiana License Records?

No provider in our research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

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 Last-Mile Delivery in Louisiana

Does the personal auto policy contain the livery exclusion the Department of Insurance described?
Which policy is primary in the pre-trip acceptance period under R.S. 45:201.6?
Is this a passenger ride under R.S. 45:201.4, or a goods delivery outside that definition?

Last-Mile Delivery Insurance in Louisiana: Frequently Asked Questions

What does Louisiana require before a transportation-network ride begins?

$50,000 per person, $100,000 per incident, and $25,000 property damage. La. R.S. 45:201.6 sets that pre-trip acceptance period. ¹

Does a Louisiana personal auto policy usually cover livery use?

No. The Department of Insurance has said personal auto policies generally have a livery exclusion. ³

Sources

15 documents, numbered as cited. Open the sources

Sources for Last-Mile Delivery Insurance in Louisiana

1
La. R.S. 45:201.6 Requirements for insurance. Louisiana State Legislature; R.S. 45:201.6(B) and (C); Acts 2015, No. 266, eff. Jan. 1, 2016; Acts 2019, No. 286, eff. July 1, 2019. Accessed 2026-09-29.
2
La. R.S. 45:201.4 Definitions. Louisiana State Legislature; R.S. 45:201.4(4), (5), and (7); Acts 2015, No. 266, eff. June 29, 2015. Accessed 2026-09-29.
3
Commissioner's Monthly Column, April 2015. Louisiana Department of Insurance; Transportation network company discussion. Accessed 2026-09-29.
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.