What Directors and Officers (D&O) Insurance Requirements Apply in Louisiana?

Louisiana’s business-corporation statute generally protects directors and officers from monetary damages owed to the corporation or its shareholders unless the articles limit or reject that protection; listed loyalty, harm, distribution, and criminal claims remain outside it. Separate mandatory indemnification applies when a director wholly succeeds in a proceeding, so check both the articles and policy wording.

What Is D&O Insurance?

D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. Read the national Directors and officers guide.

What Should You Watch for With D&O Insurance in Louisiana?

The Articles Can Narrow the Default Protection
R.S. 12:1-832 makes the monetary-liability protection subject to any limit or rejection in the articles. Review the filed articles and amendments, then ask whether the policy treats claims outside the statute’s corporation-and-shareholder scope differently. ¹
Four Claim Categories Stay Outside the Limit
Louisiana does not let articles limit liability for breach of loyalty, intentional harm, a violation of R.S. 12:1-833, or an intentional criminal-law violation, although the corporation may purchase insurance for those liabilities under § 12:1-857. Ask the broker to compare each claim type with the policy’s conduct wording. ¹
A Wholly Successful Director Must Be Indemnified
R.S. 12:1-852 requires the corporation to reimburse a director’s expenses when the director is wholly successful on the merits or otherwise. Confirm how the policy handles defense costs before the corporation makes that reimbursement. ²

Which D&O Insurance Providers Have Louisiana License Records?

These providers publish a national listing for Directors and officers; 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.

Coalition
Insurance producer, Surplus-lines broker · checked 2026-09-28
Coalition Insurance Solutions, Inc.
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. ⁹
Coalition offers directors and officers liability through its executive-risks product for private and nonprofit US organizations.
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. ¹⁰
Corgi lists directors and officers insurance among its business insurance offerings.
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. ¹³
TechInsurance arranges directors and officers liability insurance for small businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
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. ¹⁴
Vouch lists directors and officers insurance in its technology-company programs.

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. ^3,^4,⁵

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 ^6,⁷

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.

What Should You Ask Before Buying D&O Insurance in Louisiana?

Do the articles narrow or reject the protection provided by R.S. 12:1-832?
How does the policy address a loyalty, intentional-harm, unlawful-distribution, or criminal-law allegation?
For a wholly successful director, does the insurer pay defense costs directly or reimburse the corporation?

D&O Insurance in Louisiana: Frequently Asked Questions

Does Louisiana automatically limit some directors’ and officers’ monetary liability?

Generally, yes, for money damages owed to the corporation or its shareholders unless the articles limit or reject the statutory protection. The statute excludes loyalty breaches, intentional harm, unlawful distributions, and intentional criminal-law violations. ¹

Must a Louisiana corporation reimburse a director who wins a proceeding?

Yes. R.S. 12:1-852 requires indemnification of a director who is wholly successful on the merits or otherwise for expenses incurred in the proceeding. ²

Sources for D&O Insurance in Louisiana

1
Louisiana Revised Statutes § 12:1-832. Louisiana State Legislature; § 12:1-832(A)–(D), protection against monetary liability, exceptions, insurance reference, and pre-2015 articles. Accessed 2026-09-28.
2
Louisiana Revised Statutes § 12:1-852. Louisiana State Legislature; § 12:1-852, mandatory indemnification after successful defense. Accessed 2026-09-28.
3
Louisiana Department of Insurance. Louisiana Department of Insurance; Homepage and consumer services. Accessed 2026-09-28.
4
Insurance License Lookup. Louisiana Department of Insurance; State-designated producer/company search. Accessed 2026-09-28.
5
File an Insurance Complaint. Louisiana Department of Insurance; State complaint process and contact. Accessed 2026-09-28.
6
Surplus Lines Premium Tax. Louisiana Department of Insurance; Current tax/transaction fee and July 1, 2026 transition. Accessed 2026-09-28.
7
La. R.S. 22:433. Louisiana Legislature; Required policy disclosure; no LIGA protection. Accessed 2026-09-28.
8
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
9
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.
10
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.
11
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.
12
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.
13
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.
14
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 Directors and Officers (D&O) Insurance Requirements Apply in Louisiana?

What Is D&O Insurance?

What Should You Watch for With D&O Insurance in Louisiana?

The Articles Can Narrow the Default Protection

Four Claim Categories Stay Outside the Limit

A Wholly Successful Director Must Be Indemnified

Which D&O Insurance Providers Have Louisiana License Records?

Coalition

Corgi

TechInsurance

Vouch