--- title: "Last-mile delivery insurance in Louisiana" description: "Louisiana sets $50,000/$100,000/$25,000 before a passenger ride and $1 million on the ride. Personal policies generally exclude livery." canonical: "https://spot.insure/coverage/last-mile-delivery/louisiana" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/last-mile-delivery/louisiana) # Last-mile delivery insurance in Louisiana La. R.S. 45:201.6 requires $50,000 per person, $100,000 per incident, and $25,000 property damage in the pre-trip acceptance period, and $1 million for death, bodily injury, and property damage on a prearranged ride. The insurance changes in that section are tied to January 1, 2016, and July 1, 2019. R.S. 45:201.4 defines the service around passengers and riders. The Department of Insurance has said personal auto policies generally have a livery exclusion.[^1][^3] **Coverage:** [Last-mile delivery](/coverage/last-mile-delivery) · [Louisiana](/coverage/states/louisiana) ## What Is Last-Mile Delivery? Last-mile delivery insurance is not one standard policy: vehicle liability, vehicle damage and cargo protection can be separate. If your staff deliver orders in company, rented or personal vehicles, check each vehicle, cargo and worker-injury exposure in the quote. [Read the national Last-mile delivery guide](/coverage/last-mile-delivery). ## Louisiana Requirements | Requirement | Details | | --- | --- | | Pre-trip acceptance | $50,000 / $100,000 / $25,000[^1] | | Prearranged ride | $1 million[^1] | ## What to Watch for in Louisiana ### Two Effective Dates Sit on the Insurance Section R.S. 45:201.6 marks insurance changes effective January 1, 2016, and July 1, 2019. Ask which amendment your quote is following if the form still describes an older split. The current text is the one to match, not a 2015 summary that stopped at the first date.[^1] ### Personal Policies Generally Exclude Livery The Department of Insurance column from April 2015 says personal auto policies generally have a livery exclusion, and that insurers were concerned about the exposure. A driver using a personal car for paid passenger trips can be outside that policy as soon as the use is livery. Get the exclusion read against both the pre-trip period and the ride.[^3] ### The Definitions Are Riders, Not Packages R.S. 45:201.4 defines the prearranged ride and the company around passengers and riders. A food or parcel delivery is not that ride, so the $1 million figure is not a goods-delivery minimum. Cargo, if a shipper wants it, is a separate purchase.[^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.[^4][^5][^6] - [Regulator website](https://www.ldi.la.gov/) - [License lookup](https://ldi.la.gov/industry/producer-adjuster/search-for-producers-and-adjusters) - [File a complaint](https://www.ldi.la.gov/online-services) - Phone: 800-259-5300 ### 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 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](https://ldi.la.gov/industry/producer-adjuster/search-for-producers-and-adjusters) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy in Louisiana 1. Does the personal auto policy contain the livery exclusion the Department of Insurance described? 2. Which policy is primary in the pre-trip acceptance period under R.S. 45:201.6? 3. Is this a passenger ride under R.S. 45:201.4, or a goods delivery outside that definition? ## Last-Mile Delivery in Louisiana: FAQ ### What does Louisiana require before a transportation-network ride begins? $50,000 per person, $100,000 per incident, and $25,000 property damage. La. R.S. 45:201.6 sets that pre-trip acceptance period.[^1] ### Does a Louisiana personal auto policy usually cover livery use? No. The Department of Insurance has said personal auto policies generally have a livery exclusion.[^3] ## Last-Mile Delivery in Other States - [Alabama](/coverage/last-mile-delivery/alabama) - [Alaska](/coverage/last-mile-delivery/alaska) - [Arizona](/coverage/last-mile-delivery/arizona) - [Arkansas](/coverage/last-mile-delivery/arkansas) - [California](/coverage/last-mile-delivery/california) - [Colorado](/coverage/last-mile-delivery/colorado) - [Connecticut](/coverage/last-mile-delivery/connecticut) - [Delaware](/coverage/last-mile-delivery/delaware) - [District of Columbia](/coverage/last-mile-delivery/district-of-columbia) - [Florida](/coverage/last-mile-delivery/florida) - [Georgia](/coverage/last-mile-delivery/georgia) - [Hawaii](/coverage/last-mile-delivery/hawaii) - [Idaho](/coverage/last-mile-delivery/idaho) - [Illinois](/coverage/last-mile-delivery/illinois) - [Indiana](/coverage/last-mile-delivery/indiana) - [Iowa](/coverage/last-mile-delivery/iowa) - [Kansas](/coverage/last-mile-delivery/kansas) - [Kentucky](/coverage/last-mile-delivery/kentucky) - [Maine](/coverage/last-mile-delivery/maine) - [Maryland](/coverage/last-mile-delivery/maryland) - [Massachusetts](/coverage/last-mile-delivery/massachusetts) - [Michigan](/coverage/last-mile-delivery/michigan) - [Minnesota](/coverage/last-mile-delivery/minnesota) - [Mississippi](/coverage/last-mile-delivery/mississippi) - [Missouri](/coverage/last-mile-delivery/missouri) - [Montana](/coverage/last-mile-delivery/montana) - [Nebraska](/coverage/last-mile-delivery/nebraska) - [Nevada](/coverage/last-mile-delivery/nevada) - [New Hampshire](/coverage/last-mile-delivery/new-hampshire) - [New Jersey](/coverage/last-mile-delivery/new-jersey) - [New Mexico](/coverage/last-mile-delivery/new-mexico) - [New York](/coverage/last-mile-delivery/new-york) - [North Carolina](/coverage/last-mile-delivery/north-carolina) - [North Dakota](/coverage/last-mile-delivery/north-dakota) - [Ohio](/coverage/last-mile-delivery/ohio) - [Oklahoma](/coverage/last-mile-delivery/oklahoma) - [Oregon](/coverage/last-mile-delivery/oregon) - [Pennsylvania](/coverage/last-mile-delivery/pennsylvania) - [Rhode Island](/coverage/last-mile-delivery/rhode-island) - [South Carolina](/coverage/last-mile-delivery/south-carolina) - [South Dakota](/coverage/last-mile-delivery/south-dakota) - [Tennessee](/coverage/last-mile-delivery/tennessee) - [Texas](/coverage/last-mile-delivery/texas) - [Utah](/coverage/last-mile-delivery/utah) - [Vermont](/coverage/last-mile-delivery/vermont) - [Virginia](/coverage/last-mile-delivery/virginia) - [Washington](/coverage/last-mile-delivery/washington) - [West Virginia](/coverage/last-mile-delivery/west-virginia) - [Wisconsin](/coverage/last-mile-delivery/wisconsin) - [Wyoming](/coverage/last-mile-delivery/wyoming) [Other Coverage in Louisiana](/coverage/states/louisiana) ## Sources [^1]: [La. R.S. 45:201.6 Requirements for insurance](https://legis.la.gov/legis/Law.aspx?d=963743) — Louisiana State Legislature; R.S. 45:201.6(B) and (C); Acts 2015, No. 266, eff. Jan. 1, 2016; Acts 2019, No. 286, eff. July 1, 2019. Accessed 2026-09-29. [^2]: [La. R.S. 45:201.4 Definitions](https://legis.la.gov/Legis/law.aspx?d=963741) — Louisiana State Legislature; R.S. 45:201.4(4), (5), and (7); Acts 2015, No. 266, eff. June 29, 2015. Accessed 2026-09-29. [^3]: [Commissioner's Monthly Column, April 2015](https://www.ldi.la.gov/docs/default-source/documents/publicaffairs/commissionerscolumn/april-2015.pdf) — Louisiana Department of Insurance; Transportation network company discussion. Accessed 2026-09-29. [^4]: [Louisiana Department of Insurance](https://www.ldi.la.gov/) — Louisiana Department of Insurance; Homepage and consumer services. Accessed 2026-09-28. [^5]: [Insurance License Lookup](https://ldi.la.gov/industry/producer-adjuster/search-for-producers-and-adjusters) — Louisiana Department of Insurance; State-designated producer/company search. Accessed 2026-09-28. [^6]: [File an Insurance Complaint](https://www.ldi.la.gov/online-services) — Louisiana Department of Insurance; State complaint process and contact. Accessed 2026-09-28. [^7]: [Surplus Lines Premium Tax](https://ldi.la.gov/industry/taxes-and-assessments/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](https://www.legis.la.gov/Legis/Law.aspx?d=507050) — Louisiana Legislature; Required policy disclosure; no LIGA protection. Accessed 2026-09-28. [^9]: [Licenses](https://www.at-bay.com/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](https://www.coalitioninc.com/legal/licenses) — 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](https://www.corgi.insure/broker-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](https://www.hiscox.com/about-hiscox-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](https://www.nextinsurance.com/insurance-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](https://www.techinsurance.com/legal/licenses) — 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](https://www.vouch.us/legal/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 2026-09-29. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/last-mile-delivery/louisiana.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)