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Generative AI Liability Insurance in Louisiana

Louisiana Revised Statutes § 14:73.15 makes unauthorized possession of certain AI-created nude or partially undressed images of a recognizable person under 17 unlawful when the possessor knows or has reason to know they lack authorization. A separate statute addresses intentional disclosure of identifiable private sexual images, with defined elements and an interactive-service exception for third-party content. 1,2

What Is Generative AI Liability?

Generative AI liability can help pay covered defense costs and losses when someone claims your AI use caused harm, including infringement or data disclosure. If you use or sell AI outputs, check how the policy fits your role and existing liability coverage. Read the national Generative AI liability guide.

What to Watch for in Louisiana

  • Possession itself can be the alleged offense

    Louisiana § 14:73.15 is not limited to publishing or selling. It covers possession of an AI-created still or video depicting a recognizable person under 17 who is totally nude or undressed to expose specified body areas, when the possessor knows or has reason to know they are not authorized to possess it. Review moderation, storage, escalation, and deletion controls for user uploads and generated outputs, then ask whether the policy addresses defense of possession allegations. 1

  • Disclosure claims have separate privacy and intent elements

    Under § 14:283.2, the state offense requires an identifiable image showing intimate parts or sexual conduct, acquisition through unauthorized access or circumstances indicating privacy, lack of consent, and knowledge or reason to know of likely harassment or emotional distress. The cited statute does not say every synthetic likeness meets those elements; document how a complained-of image was generated, obtained, shared, and labeled. 2

  • The statutory service-provider provision is narrow

    Section 14:283.2 says it does not impose liability on an interactive computer, information, or telecommunications service for content provided by another person. That clause is tied to this offense and third-party content; it does not resolve every state-law claim or the liability of a service that creates or materially changes an image. Separate hosting, generation, moderation, and distribution roles in the application materials. 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. Can users submit or generate sexual images of real people under 17, and what controls prevent unauthorized possession, retention, or distribution?
  2. Does your service create the image, host a user upload, or merely transmit third-party content, and what records establish each role?
  3. Does the quote address criminal-investigation response, privacy or publicity claims, defense costs, and exclusions tied to sexual or unlawful conduct?

Generative AI Liability in Louisiana: FAQ

Does Louisiana’s AI-image statute apply to every synthetic image? 1

No. Section 14:73.15 concerns possession of AI-created images meeting its age, nudity, recognizability, and authorization conditions. It is not a general rule governing all generated text, images, or model output. 1

Does Louisiana’s third-party-content clause protect every AI platform? 2

No. The clause in § 14:283.2 concerns liability under that section for content provided by another person. It does not decide liability under other laws or for content the service itself creates. 2

Generative AI Liability in Other States

Other Coverage in Louisiana

Sources

  1. Louisiana Revised Statutes § 14:73.15, Unlawful Possession of Images of Another Created by Artificial Intelligence. Louisiana State Legislature; R.S. 14:73.15(A)–(B): prohibited possession and definition of recognizable person. Accessed 2026-09-29.
  2. Louisiana Revised Statutes § 14:283.2, Nonconsensual Disclosure of a Private Image. Louisiana State Legislature; R.S. 14:283.2(A)–(E): offense elements, definitions, service-provider clause, and penalties. Accessed 2026-09-29.
  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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