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Louisiana Equipment Breakdown Insurance Guide

As of September 28, 2026, Louisiana law allows a narrow inspection schedule for certain power boilers integral to continuous operations: qualifying planned shutdowns must last at least five days and occur after three years, with no more than five years between internal inspections. Act 842 of 2026 replaces these boiler statutes effective January 1, 2027, so operations spanning that date should verify the new inspection rules. Neither the current exception nor the new law determines insurance coverage for machinery, interruption, extra expense, or spoilage. 1,2

What Is Equipment Breakdown?

Equipment-breakdown coverage can help repair covered machinery or building equipment after a mechanical or electrical failure. It fits businesses that depend on equipment to operate; check whether lost income, spoilage and utility failures are included. Read the national Equipment breakdown guide.

Louisiana Requirements

RequirementDetails
Inspection schedule through 2026Through December 31, 2026, the current statute provides a specific planned-shutdown inspection interval for certain power boilers integral to continuous operations; Act 842 replaces the existing boiler statutes effective January 1, 2027. 1,2

What to Watch for in Louisiana

  • The current inspection exception is limited to qualifying process boilers

    Through December 31, 2026, the special timing applies to power boilers integral to continuous operations and qualifying scheduled shutdowns lasting at least five days after three years, with a five-year maximum. Confirm that the unit and shutdown meet those terms; a longer regulatory interval does not insure a sudden equipment failure or production interruption. 1

  • A separate extension requires approval and detailed operating records

    The current law allows an approved extension of up to 24 months for stationary boilers only with supervised continuous water treatment, regular water samples, complete outage and repair records, and satisfactory inspection findings. Keep those records for the inspection process, and ask the broker separately whether the policy imposes maintenance or claim-documentation conditions. 1

  • Recheck the schedule before work that continues into 2027

    Louisiana Act 842 repeals the current Title 23 boiler provisions and enacts a replacement Title 40 program effective January 1, 2027. If an inspection, repair, or restart falls on or after that date, confirm the then-current rule, permit path, and certificate requirements with the Fire Marshal before setting an operating date. 2

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

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. 6,7

Providers With Documented State Licenses

No provider in Spot’s 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.

Questions to Ask Before You Buy in Louisiana

  1. Is the unit a power boiler integral to continuous operations, and does its inspection date fit the current five-day planned-shutdown rule through 2026?
  2. Does any claimed extension have the required approval, water-treatment supervision, water samples, and outage and repair records?
  3. For work or inspection after January 1, 2027, what new statute, implementing rule, permit, and certificate will govern restart?
  4. What mechanical or electrical damage, lost income, extra expense, spoilage, and utility-interruption triggers, waiting periods, and limits are in the proposed policy?

Equipment Breakdown in Louisiana: FAQ

Can every Louisiana boiler wait for a five-day shutdown inspection? 1,2

No. Through 2026, the special interval is limited to certain power boilers integral to continuous operations and qualifying planned or scheduled shutdowns. Act 842 replaces the statutory scheme effective January 1, 2027. 1,2

Does Louisiana’s inspection schedule create business-interruption coverage? 1,2

No. The current and upcoming rules govern boiler safety inspections and operation. Coverage for repair costs, lost income, extra expense, or spoilage depends on the policy. 1,2

Equipment Breakdown in Other States

Other Coverage in Louisiana

Sources

  1. Louisiana Revised Statutes 23:536: Annual Inspection of Boilers. Louisiana State Legislature; §23:536(A)–(B), including the continuous-operation shutdown schedule and supervised-water-treatment extension; operative through December 31, 2026. Accessed 2026-09-28.
  2. 2026 Louisiana Act No. 842 (HB 799), Boiler Safety. Louisiana State Legislature; Enrolled Act 842, §§1664.21–1664.33 and §4; replacement rules, boiler inspection provisions, and effective date January 1, 2027. 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.

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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