Get Started

Louisiana Hired and Non-Owned Auto Coverage

Louisiana’s motor-vehicle financial-responsibility chapter defines both owner and operator liability policies. The owner’s policy identifies the covered vehicles and provides required liability protection for a person using one with the named insured’s express or implied permission; a statutory operator’s policy protects the named insured against liability from using a vehicle they do not own. The statute says the required policy need not insure workers’ compensation liability, certain bodily injury to an employee in the insured’s employment, or damage to property owned, rented to, in charge of, or transported by the insured. These are minimum statutory policy provisions and possible exclusions, not a decision about a purchased employer policy. 1,2

What Is Hired And Non-Owned Auto?

Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. Read the national Hired and non-owned auto guide.

Louisiana Requirements

RequirementDetails
The owner policy is tied to the described vehicleLouisiana’s statutory owner-policy form must designate the covered vehicle and provide required liability protection for another person who uses that vehicle with the named insured’s express or implied permission. This statutory minimum does not determine whether the employer’s policy schedules or otherwise covers the employee’s work vehicle. 1

What to Watch for in Louisiana

  • Louisiana separately defines an operator policy

    Under La. R.S. 32:900(C), a statutory operator’s liability policy covers the named insured’s legal liability arising from using any motor vehicle that person does not own, within the statute’s territorial and liability-limit provisions. The provision concerns a policy certified as proof under the financial-responsibility chapter; it does not mean every employee automatically has an operator policy. 1

  • Employee injury may fall outside the statutory minimum

    La. R.S. 32:900(E) says a motor-vehicle liability policy need not insure workers’ compensation liability or certain bodily injury or death of an employee while engaged in the insured’s employment, including while operating, maintaining, or repairing the vehicle. Ask separately how workers’ compensation and each auto policy address an employee injury; do not read this provision as a universal exclusion in every policy. 1

  • Property in the insured’s care is treated separately

    The statute also says the required motor-vehicle policy need not cover damage to property owned by, rented to, in charge of, or transported by the insured. That provision does not settle a rental company’s contractual claims for damage or loss of use; review the rental agreement and written physical-damage terms. 1

  • The registered owner maintains vehicle security

    Louisiana requires a registered self-propelled vehicle to have the specified liability security, subject to enumerated exceptions and alternative methods such as an approved bond, deposit, or self-insurance. This owner duty is separate from whether the business has arranged HNOA protection for a work trip. 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

These providers publish a national listing for Hired and non-owned auto; 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.

  • 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. 10

Questions to Ask Before You Buy in Louisiana

  1. Is the relevant document an owner policy tied to a listed vehicle or an operator policy covering a named person using a non-owned vehicle?
  2. Does the claim involve a third party, an employee injury, or damage to rented/in-custody property, and what policy terms apply to that category?
  3. Who maintains the Louisiana registered vehicle’s compulsory security, and who should receive notice of a work-trip claim?

Hired And Non-Owned Auto in Louisiana: FAQ

Does Louisiana’s owner-policy statute address a permissive driver? 1

Yes. La. R.S. 32:900(B) requires the statutory owner’s policy to identify the vehicles covered and protect the named insured and another person using a described vehicle with express or implied permission, within the required statutory scope. A separate employer policy still depends on its written terms. 1

Does Louisiana’s statutory minimum policy have to cover employee injuries? 1

Not necessarily. La. R.S. 32:900(E) says the required motor-vehicle policy need not insure workers’ compensation liability or certain injury to an employee in the insured’s employment, including when operating, maintaining, or repairing the vehicle. The actual auto and workers’ compensation policy language should be reviewed separately. 1

Hired And Non-Owned Auto in Other States

Other Coverage in Louisiana

Sources

  1. Louisiana Revised Statutes § 32:900: Motor Vehicle Liability Policy Defined. Louisiana State Legislature; § 32:900(A)–(E): certified owner/operator policies, described vehicles, express/implied permission, non-owned operator policy, employee-injury and property exclusions. Accessed 2026-09-28.
  2. Louisiana Revised Statutes § 32:861: Security Required. Louisiana State Legislature; § 32:861(A)(1)–(3): liability-security requirement for registered self-propelled motor vehicles, registered owner’s maintenance duty, and nonuse process. 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.

Get Help With Insurance Buying and Renewals.

Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.

Talk to Spot