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Cyber Liability Insurance in Louisiana

Louisiana requires breach notice as soon as possible without unreasonable delay and no later than 60 days after discovery, subject to law-enforcement and response needs. If resident notice is required, a separate written filing naming affected Louisiana residents is due to the Attorney General within 10 days after consumer notices are distributed. 1,2

What Is Cyber Liability?

Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. Read the national Cyber liability guide.

What to Watch for in Louisiana

  • A 60-Day Outside Limit Has a Delay Process

    Louisiana sets an outside limit of 60 days after discovery for required notices. If response measures or law enforcement delay notice, send the Attorney General written reasons within that period; the AG must allow a reasonable extension. Ask your response team to track both the original deadline and any written extension. 1

  • The AG Filing Follows Resident Notice

    Louisiana’s AG reporting rule treats the filing as timely only if received within 10 days after notices go to Louisiana residents, and requires the filing to identify affected residents. Confirm your notice workflow captures the resident list and files the separate report after distribution. 2,3

  • Large Incidents Can Qualify for Substitute Notice

    Louisiana permits substitute notice if direct notice would cost more than $100,000, the affected class exceeds 100,000 people, or contact details are insufficient. The method requires email where available, website posting when maintained, and statewide media; ask which trigger and steps apply before switching channels. 1

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

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. 7,8

Providers With Documented State Licenses

These providers publish a national listing for Cyber liability; 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.

  • At-BayAt-Bay Insurance Services LLCInsurance producer, Surplus-lines broker · checked 2026-09-28At-Bay’s license page lists P&C producer and surplus-lines broker license numbers for all 50 states and the District of Columbia. These are company disclosures and do not establish product availability in each jurisdiction. 9
  • CoalitionCoalition Insurance Solutions, Inc.Insurance producer, Surplus-lines broker · checked 2026-09-28Coalition’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. 10
  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’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
  • HiscoxHiscox Insurance Company Inc.Insurer · checked 2026-09-28Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. 12
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’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
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’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. 15

Questions to Ask Before You Buy in Louisiana

  1. Who tracks Louisiana’s 60-day outside deadline and any written delay request to the AG?
  2. After resident notices are distributed, who submits the Louisiana AG filing within 10 days and includes the affected-resident names?
  3. If direct notice is impracticable, do our facts meet Louisiana’s $100,000, 100,000-person, or contact-information substitute-notice test?

Cyber Liability in Louisiana: FAQ

How long does Louisiana give a business to notify residents? 1

No later than 60 days after discovery, while acting as soon as possible without unreasonable delay; certain delays require written reasons to the AG within that period. 1

When is a Louisiana Attorney General breach report due? 2

Within 10 days after consumer notices are distributed, when resident notice is required; the written report must identify affected Louisiana residents. 2

When can a business use substitute notice in Louisiana? 1

When direct notice would cost more than $100,000, the affected group exceeds 100,000 people, or contact information is insufficient, using the statute’s specified email, website, and media steps. 1

Cyber Liability in Other States

Other Coverage in Louisiana

Sources

  1. Louisiana Revised Statutes §51:3074 - Notice Requirements. Louisiana Legislature; La. R.S. 51:3074(E)-(G); current Legislature LawPrint text, accessed 2026-09-28. Accessed 2026-09-28.
  2. Database Security Breach Notification Reporting Requirements. Louisiana Attorney General; LAC Title 16, Part III, Chapter 7, §701(A)-(B). Accessed 2026-09-28.
  3. Louisiana Database Security Breach Reporting Form. Louisiana Attorney General; Form fields: affected LA residents, discovery and consumer-notice dates; accessed 2026-09-28. 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.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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