What Commercial Auto Insurance Requirements Apply in Louisiana?

Louisiana’s general registered-vehicle liability schedule is $15,000/$30,000/$25,000, while covered motor carriers over 20,000 lb GVW or GCWR use a higher §32:900(M) schedule. Vehicles over 20,000–50,000 lb use $25,000/$50,000/$25,000; vehicles over 50,000 lb need $300,000 per occurrence (as a combined limit or equivalent $100,000 per person coverage) plus $25,000 property damage.

What Is Commercial Auto Insurance?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

Louisiana Commercial Auto Insurance Requirements

Requirement	Details
General registered-vehicle liability schedule	$15,000 one person / $30,000 multiple persons / $25,000 property damage ²
Covered motor-carrier vehicle over 20,000–50,000 lb GVW or GCWR	$25,000/$50,000 bodily injury and $25,000 property damage ²
Covered motor-carrier vehicle over 50,000 lb GVW or GCWR	$300,000 per occurrence (combined single limit or equivalent $100,000 per person coverage) and $25,000 property damage ²

What Should You Watch for With Commercial Auto Insurance in Louisiana?

Separate Registered-Vehicle Security From Carrier Limits
Louisiana §32:861 permits registered owners to satisfy its security requirement by policy, bond, state-treasurer deposit, or self-insurance certificate. The separate §32:900(M) motor-carrier schedule varies by weight and excludes listed tow-truck, actual-farming, and forest-product operations; identify your route and vehicle class before filing. ^3,²
Louisiana Has A Last-Resort Auto Plan
The Louisiana Department of Insurance directs applicants who cannot secure private-market auto coverage to the Louisiana Automobile Insurance Plan. If the voluntary market declines your risk, ask a producer whether the business and its vehicles qualify. ¹
Carrier Security Changes Must Be Reported
For motor carriers subject to §32:900(M), security providers must notify the Secretary of State within 45 calendar days after a policy, bond, deposit, or other security is terminated, withdrawn, canceled, lapsed, or otherwise ineffective. Coordinate replacement coverage and required filings before the old security ends. ²

Which Commercial Auto Providers Have Louisiana License Records?

These providers publish a national listing for Commercial auto; the license records below name the licensed entities and roles. 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 links to trucking auto-liability coverage from its transportation menu.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹⁴
TechInsurance arranges commercial auto insurance for small businesses.

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 Commercial Auto in Louisiana

Does a motor-carrier or tow-truck rule raise the general 15/30/25 liability floor for our vehicles?
If voluntary insurers decline us, can our producer apply through the Louisiana Automobile Insurance Program?
Which Louisiana filing or proof record covers each vehicle’s operation?

Commercial Auto Insurance in Louisiana: Frequently Asked Questions

What liability limits does Louisiana require for a motor carrier?

Under §32:900(M), covered motor-carrier vehicles over 20,000–50,000 lb GVW or GCWR use $25,000/$50,000 bodily-injury and $25,000 property-damage limits. Vehicles over 50,000 lb need $300,000 per occurrence (as a combined limit or equivalent $100,000 per person coverage) and $25,000 property damage; listed tow, farming, and forestry exceptions apply. ²

What can a Louisiana business do if insurers decline its auto risk?

Louisiana DOI directs applicants unable to secure private-market auto coverage to ask an agent about the Louisiana Automobile Insurance Plan. Ask the agent to confirm eligibility and which commercial operation or carrier filing it can cover. ¹

Sources for Commercial Auto Insurance in Louisiana

1
Auto Insurance. Louisiana Department of Insurance; Last-resort market: Louisiana Automobile Insurance Plan information. Accessed 2026-09-28.
2
Louisiana Revised Statutes §32:900. Louisiana Legislature; §32:900(B)(2)(a)–(c) general minimums; §32:900(M)(1)–(4) carrier weight schedule, stated exceptions, and 45-day security-termination notice. Accessed 2026-09-28.
3
Louisiana Revised Statutes §32:861. Louisiana Legislature; §32:861(A)(1)–(3): registered-vehicle security, alternative security methods, nonuse and plate surrender. 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 Commercial Auto Insurance Requirements Apply in Louisiana?

What Is Commercial Auto Insurance?

Louisiana Commercial Auto Insurance Requirements

What Should You Watch for With Commercial Auto Insurance in Louisiana?

Separate Registered-Vehicle Security From Carrier Limits

Louisiana Has A Last-Resort Auto Plan

Carrier Security Changes Must Be Reported

Which Commercial Auto Providers Have Louisiana License Records?

Corgi

TechInsurance