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Liquor liability insurance in Louisiana

Louisiana Revised Statutes § 9:2800.1 generally limits permit-holder liability for off-premises injury caused by an adult’s intoxication, while preserving force or false-alcohol-representation exceptions. A separate delivery statute requires registered third-party alcohol delivery companies/platforms to maintain general liability insurance with a liquor-liability endorsement of at least $1 million per occurrence. That platform requirement is not a general limit for bars or restaurants. 1,2

What Is Liquor Liability?

Liquor liability can cover claims tied to your business selling, serving or furnishing alcohol. If you run a bar, restaurant or event where you provide drinks, check how the quote treats injuries, property damage and occasional service. Read the national Liquor liability guide.

Louisiana Requirements

RequirementDetails
Third-party delivery insuranceA third-party alcohol delivery company/platform contracting with a retail dealer must hold the specified state permit and maintain general liability insurance with a liquor-liability endorsement of at least $1 million per occurrence for the contract term; proof must go to the retail dealer. This is scoped to the statutory delivery role. 2

What to Watch for in Louisiana

  • Adult off-premises injury limitation

    Section 9:2800.1(B) covers permit holders under Title 26 and their agents/employees who sell or serve alcohol to someone old enough to purchase; it limits liability to that adult and others for off-premises injury caused by the recipient’s intoxication. Do not generalize it to on-premises injuries or other theories. 1

  • Do not overlook express exceptions

    The limitation does not apply to a person who causes or contributes to consumption by force or falsely represents that a beverage contains no alcohol. Social-host treatment of adults is addressed separately in subsection C. 1

  • Delivery platform mandate is role-specific

    The $1 million per-occurrence endorsement requirement applies to third-party delivery companies/platforms and is a condition in the retail dealer agreement framework. A restaurant using a platform should collect the platform’s proof; a platform should review its own named insured, endorsement and term. 2

  • Do not rely on an unpassed minor-liability proposal

    SB 194 proposed adding a cause of action for certain underage service but the 2023 bill status is listed as pending in House Judiciary. The current § 9:2800.1 page does not include that proposed subsection. Recheck enacted amendments for any underage claim before using this guide in a live matter. 3,1

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

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

These providers publish a national listing for Liquor liability; 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. 11

Questions to Ask Before You Buy in Louisiana

  1. Is the business a retailer, a licensed third-party delivery company/platform, or both for this transaction?
  2. If the platform rule applies, does its endorsement show at least $1 million per occurrence, cover the entire agreement term, and name the correct insured?
  3. Does the policy address on-premises injury, force, false alcohol-content claims and underage service separately from the adult off-premises rule?
  4. Which retail permit, delivery permit, platform and contract entities must furnish proof of insurance?

Liquor Liability in Louisiana: FAQ

Does every Louisiana bar need a $1 million liquor-liability endorsement? 2

The cited $1 million mandate applies to qualifying third-party alcohol delivery companies/platforms contracting with retail dealers; it is not a general minimum for every bar or restaurant. 2

Does Louisiana’s adult-service limitation cover every injury? 1

The text addresses injuries suffered off the permit-holder’s premises because of an adult recipient’s intoxication and identifies exceptions. Do not extend it to on-premises injuries or unrelated claims. 1

Did Louisiana enact SB 194’s proposed minor-service cause of action? 3

The official 2023 bill record lists SB 194 as pending in House Judiciary. This guide does not treat its proposed language as enacted law; verify later legislative changes before relying on the current statutory gap. 3

Liquor Liability in Other States

Other Coverage in Louisiana

Sources

  1. Louisiana Revised Statutes § 9:2800.1, Limitation of liability for loss connected with alcohol. Louisiana State Legislature; Subsections A–E: consumption rule, permit-holder immunity for adult off-premises intoxication injuries, social-host rule, primary liability, force/fraud exception; history shown as 1986 Act 18. Accessed 2026-09-28.
  2. Louisiana Revised Statutes § 26:271.2, Third-party alcohol delivery. Louisiana State Legislature; Subsection D(1)–(5): authorized third-party platform must carry GL with liquor endorsement of at least $1 million per occurrence during retail agreement and provide proof; route monitoring/background checks also required. Accessed 2026-09-28.
  3. SB 194, 2023 Regular Session (pending). Louisiana State Legislature; Bill history: status remained Pending House Judiciary; proposed underage-service civil cause in § 9:2800.1(F) was not enacted by this bill; used only to distinguish proposal from law. Accessed 2026-09-28.
  4. Louisiana Department of Insurance. Louisiana Department of Insurance; Homepage and consumer services. Accessed 2026-09-28.
  5. Insurance License Lookup. Louisiana Department of Insurance; State-designated producer/company search. Accessed 2026-09-28.
  6. File an Insurance Complaint. Louisiana Department of Insurance; State complaint process and contact. Accessed 2026-09-28.
  7. 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. Louisiana Legislature; Required policy disclosure; no LIGA protection. Accessed 2026-09-28.
  9. 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. 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. 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. 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. 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. 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. 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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