--- title: "Louisiana Crime Insurance Guide" description: "Separate Louisiana check-endorsement risks from funds-transfer rules when comparing employee-theft and social-engineering terms." canonical: "https://spot.insure/coverage/crime/louisiana" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/crime/louisiana) # Louisiana Crime Insurance Guide Louisiana businesses should map check handling and wire approval as separate loss paths. Louisiana Revised Statutes Title 10 includes retained independent contractors in a specific rule on fraudulent check endorsements, while its funds-transfer law separately addresses when a bank may treat a payment order as the customer’s under an agreed security procedure. Those statutes allocate rights around payment transactions; they do not establish what a crime policy covers. Ask the broker to identify check, employee-dishonesty, funds-transfer, and social-engineering wording separately.[^1][^2] **Coverage:** [Crime](/coverage/crime) · [Louisiana](/coverage/states/louisiana) ## What Is Crime? Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [Read the national Crime guide](/coverage/crime). ## What to Watch for in Louisiana ### List who processes or controls checks Louisiana R.S. 10:3-405 includes a retained independent contractor and its employee in the section’s definition of employee. Responsibility can include endorsing, processing, preparing, choosing payees for, or controlling negotiable instruments; mere access to stored or mailed forms is not enough. Ask whether the quote’s employee definition includes your outside bookkeeper or payment service.[^1] ### Review the procedure agreed with your bank Under R.S. 10:4A-202, a payment order may be effective as the customer’s order if a bank and customer agreed on a commercially reasonable security procedure and the bank accepted the order in good faith while following that procedure and recorded instructions. Review who can send wires, transaction limits, and approved verification steps. This bank rule does not answer whether the policy covers a wire induced by deception.[^2][^3] ### Have an immediate response path for spoofed instructions The FBI advises businesses to contact their financial institution immediately after discovering a business-email compromise and ask it to contact the receiving institution; it also recommends reporting through IC3. Preserve the message, wire record, and approval trail, and follow the insurer’s separate notice instructions.[^4] ## 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.[^5][^6][^7] - [Regulator website](https://www.ldi.la.gov/) - [License lookup](https://ldi.la.gov/industry/producer-adjuster/search-for-producers-and-adjusters) - [File a complaint](https://www.ldi.la.gov/online-services) - Phone: 800-259-5300 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 4.85% of gross premium plus a 0.175% SLIP+ transaction fee for policies effective on or after July 1, 2026 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.[^8][^9] ## Providers With Documented State Licenses These providers publish a national listing for Crime; 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 that the product is available in Louisiana; [check the regulator’s license lookup](https://ldi.la.gov/industry/producer-adjuster/search-for-producers-and-adjusters) and confirm state availability for your business when requesting a quote. - [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only.[^11] - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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.[^12] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^16] ## Questions to Ask Before You Buy in Louisiana 1. Does the quote include employee dishonesty and forged-check wording for the actual people who receive, prepare, or process our checks? 2. If an employee knowingly sends a wire after a spoofed vendor email, what policy grant, exclusions, sublimit, and verification conditions apply? 3. What security procedure and written payment restrictions did we agree to with our bank, and who is authorized to approve changes? 4. Who contacts the bank and insurer after a suspected transfer, and what records must be preserved? ## Crime in Louisiana: FAQ ### Does Louisiana’s check-endorsement statute require insurance to cover a contractor? No. R.S. 10:3-405 includes a retained independent contractor in a commercial-law rule about certain negotiable-instrument losses. It does not determine the insurance policy’s definition of employee or coverage.[^1] ### Does a bank’s payment-order rule decide a crime insurance claim? No. R.S. 10:4A-202 addresses rights and duties around payment orders and agreed verification procedures. The policy’s insuring agreement, exclusions, limits, and conditions govern the separate insurance question.[^2][^3] ## Crime in Other States - [Alabama](/coverage/crime/alabama) - [Alaska](/coverage/crime/alaska) - [Arizona](/coverage/crime/arizona) - [Arkansas](/coverage/crime/arkansas) - [California](/coverage/crime/california) - [Colorado](/coverage/crime/colorado) - [Connecticut](/coverage/crime/connecticut) - [Delaware](/coverage/crime/delaware) - [District of Columbia](/coverage/crime/district-of-columbia) - [Florida](/coverage/crime/florida) - [Georgia](/coverage/crime/georgia) - [Hawaii](/coverage/crime/hawaii) - [Idaho](/coverage/crime/idaho) - [Illinois](/coverage/crime/illinois) - [Indiana](/coverage/crime/indiana) - [Iowa](/coverage/crime/iowa) - [Kansas](/coverage/crime/kansas) - [Kentucky](/coverage/crime/kentucky) - [Maine](/coverage/crime/maine) - [Maryland](/coverage/crime/maryland) - [Massachusetts](/coverage/crime/massachusetts) - [Michigan](/coverage/crime/michigan) - [Minnesota](/coverage/crime/minnesota) - [Mississippi](/coverage/crime/mississippi) - [Missouri](/coverage/crime/missouri) - [Montana](/coverage/crime/montana) - [Nebraska](/coverage/crime/nebraska) - [Nevada](/coverage/crime/nevada) - [New Hampshire](/coverage/crime/new-hampshire) - [New Jersey](/coverage/crime/new-jersey) - [New Mexico](/coverage/crime/new-mexico) - [New York](/coverage/crime/new-york) - [North Carolina](/coverage/crime/north-carolina) - [North Dakota](/coverage/crime/north-dakota) - [Ohio](/coverage/crime/ohio) - [Oklahoma](/coverage/crime/oklahoma) - [Oregon](/coverage/crime/oregon) - [Pennsylvania](/coverage/crime/pennsylvania) - [Rhode Island](/coverage/crime/rhode-island) - [South Carolina](/coverage/crime/south-carolina) - [South Dakota](/coverage/crime/south-dakota) - [Tennessee](/coverage/crime/tennessee) - [Texas](/coverage/crime/texas) - [Utah](/coverage/crime/utah) - [Vermont](/coverage/crime/vermont) - [Virginia](/coverage/crime/virginia) - [Washington](/coverage/crime/washington) - [West Virginia](/coverage/crime/west-virginia) - [Wisconsin](/coverage/crime/wisconsin) - [Wyoming](/coverage/crime/wyoming) [Other Coverage in Louisiana](/coverage/states/louisiana) ## Sources [^1]: [Louisiana Revised Statutes, R.S. 10:3-405: Employer’s responsibility for fraudulent indorsement by employee](https://www.legis.la.gov/Legis/Law.aspx?d=74167) — Louisiana State Legislature; R.S. 10:3-405(a)–(c), employee, responsibility, effect, and ordinary-care allocation; acts listed as effective July 1, 1993 and January 1, 1994.. Accessed 2026-09-28. [^2]: [Louisiana Revised Statutes, R.S. 10:4A-202: Authorized and verified payment orders](https://www.legis.la.gov/Legis/LawPrint.aspx?d=74242) — Louisiana State Legislature; R.S. 10:4A-202(a)–(f), especially agreed security procedures, commercial reasonableness, bank compliance, and recorded customer instructions; amended by 2024 Acts No. 773, § 1.. Accessed 2026-09-28. [^3]: [Act 773 (SB 110), 2024 Regular Session, Enrolled](https://legis.la.gov/legis/ViewDocument.aspx?d=1383043) — Louisiana Legislature; § 1 amends R.S. 10:4A-202(b)–(c) (PDF pp. 7–8); Louisiana Legislature bill history lists effective date August 1, 2024. Accessed 2026-09-28. [^4]: [Business Email Compromise](https://www.fbi.gov/how-we-can-help-you/common-frauds-and-scams/business-email-compromise) — Federal Bureau of Investigation; How BEC scams work; steps after a BEC incident, including immediate financial-institution contact and IC3 reporting.. Accessed 2026-09-28. [^5]: [Louisiana Department of Insurance](https://www.ldi.la.gov/) — Louisiana Department of Insurance; Homepage and consumer services. Accessed 2026-09-28. [^6]: [Insurance License Lookup](https://ldi.la.gov/industry/producer-adjuster/search-for-producers-and-adjusters) — Louisiana Department of Insurance; State-designated producer/company search. Accessed 2026-09-28. [^7]: [File an Insurance Complaint](https://www.ldi.la.gov/online-services) — Louisiana Department of Insurance; State complaint process and contact. Accessed 2026-09-28. [^8]: [Surplus Lines Premium Tax](https://ldi.la.gov/industry/taxes-and-assessments/surplus-lines-premium-tax) — Louisiana Department of Insurance; Current tax/transaction fee and July 1, 2026 transition. Accessed 2026-09-28. [^9]: [La. R.S. 22:433](https://www.legis.la.gov/Legis/Law.aspx?d=507050) — Louisiana Legislature; Required policy disclosure; no LIGA protection. Accessed 2026-09-28. [^10]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^11]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — 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. [^12]: [Insurance Producer Licenses](https://www.corgi.insure/broker-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. [^13]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-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. [^14]: [Licenses](https://www.nextinsurance.com/insurance-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. [^15]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — 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. [^16]: [Licenses](https://www.vouch.us/legal/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. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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