--- title: "Louisiana Management Liability Insurance" description: "Compare Louisiana employment-law exposure and company indemnification duties with D&O and EPL policy terms." canonical: "https://spot.insure/coverage/management-liability/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/management-liability/louisiana) # Louisiana Management Liability Insurance Louisiana’s Employment Discrimination Law in Chapter 3-A generally covers employers with 20 or more employees in Louisiana on each working day in 20 or more calendar weeks in the current or preceding year, subject to listed exclusions. Louisiana’s business-corporation statute generally protects directors and officers from monetary damages owed to the corporation or its shareholders unless the articles limit or reject that protection; listed loyalty, harm, distribution, and criminal claims remain outside it.[^3][^4][^1][^2] **Coverage:** [Management liability](/coverage/management-liability) · [Louisiana](/coverage/states/louisiana) ## What Is Management Liability? Management liability packages can combine D&O and employment-practices coverage for leader and workplace claims, while benefit-plan protection may be a separate part. Shared limits can let a claim in one part reduce what is available for another, so compare the limits across the quote. [Read the national Management liability guide](/coverage/management-liability). ## What to Watch for in Louisiana ### The state chapter identifies specific protected grounds Section 23:332 lists race, color, religion, sex, national origin, military status, and natural, protective, or cultural hairstyle among prohibited bases. Ask how the EPL form handles this allegation type, including wage-and-hour exclusions, defense sublimits, and notice triggers.[^1] ### Private Company Indemnification R.S. 12:1-832 makes the monetary-liability protection subject to any limit or rejection in the articles. Review the filed articles and amendments, then ask whether the policy treats claims outside the statute’s corporation-and-shareholder scope differently. As a private company, compare your bylaws and indemnity agreement with the policy’s advancement language; § 12 does not itself promise insurance payment.[^1] ### Written Notice Precedes A Chapter 3-A Civil Action Section 23:303 requires a written notice at least 30 days before suit, including specified facts and an effort to resolve in good faith. This procedure is separate from any policy notice obligation. Ask who will log the first written notice and confirm the policy reporting date.[^4] ## 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.[^7][^8][^9] - [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.[^10][^11] ## 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. Which Louisiana employment-law allegations and agency notices did you account for, and how do the EPL form’s wage-and-hour exclusion and defense sublimit apply? 2. For our Louisiana private company, when do the charter, bylaws, or indemnification agreements require us to advance a leader’s defense costs, and when does the policy respond? 3. Does the quote include fiduciary-liability coverage, and which plan fiduciaries need a separate ERISA fidelity bond? 4. Does the policy treat an agency charge, written demand, and filed lawsuit as separate claim triggers, and what notice date applies to each? ## Management Liability in Louisiana: FAQ ### What employment-law exposure should a Louisiana business discuss when buying management liability? Louisiana’s Employment Discrimination Law in Chapter 3-A generally covers employers with 20 or more employees in Louisiana on each working day in 20 or more calendar weeks in the current or preceding year, subject to listed exclusions. The policy notice deadline is separate from any agency filing deadline.[^3][^4] ### Does Louisiana corporate law determine what a D&O policy pays? Louisiana’s business-corporation statute generally protects directors and officers from monetary damages owed to the corporation or its shareholders unless the articles limit or reject that protection; listed loyalty, harm, distribution, and criminal claims remain outside it. The statute does not itself define what the insurer must defend or pay; check those terms in the policy.[^3][^4][^1] ### Is a plan fidelity bond the same as fiduciary-liability insurance for a Louisiana business? No. ERISA requires a fidelity bond for covered plan fiduciaries who handle plan funds; Louisiana’s business-corporation statute generally protects directors and officers from monetary damages owed to the corporation or its shareholders unless the articles limit or reject that protection; listed loyalty, harm, distribution, and criminal claims remain outside it addresses a separate company-law issue. Ask whether the policy includes fiduciary-liability coverage in addition to the bond.[^4][^5][^6][^1] ## Management Liability in Other States - [Alabama](/coverage/management-liability/alabama) - [Alaska](/coverage/management-liability/alaska) - [Arizona](/coverage/management-liability/arizona) - [Arkansas](/coverage/management-liability/arkansas) - [California](/coverage/management-liability/california) - [Colorado](/coverage/management-liability/colorado) - [Connecticut](/coverage/management-liability/connecticut) - [Delaware](/coverage/management-liability/delaware) - [District of Columbia](/coverage/management-liability/district-of-columbia) - [Florida](/coverage/management-liability/florida) - [Georgia](/coverage/management-liability/georgia) - [Hawaii](/coverage/management-liability/hawaii) - [Idaho](/coverage/management-liability/idaho) - [Illinois](/coverage/management-liability/illinois) - [Indiana](/coverage/management-liability/indiana) - [Iowa](/coverage/management-liability/iowa) - [Kansas](/coverage/management-liability/kansas) - [Kentucky](/coverage/management-liability/kentucky) - [Maine](/coverage/management-liability/maine) - [Maryland](/coverage/management-liability/maryland) - [Massachusetts](/coverage/management-liability/massachusetts) - [Michigan](/coverage/management-liability/michigan) - [Minnesota](/coverage/management-liability/minnesota) - [Mississippi](/coverage/management-liability/mississippi) - [Missouri](/coverage/management-liability/missouri) - [Montana](/coverage/management-liability/montana) - [Nebraska](/coverage/management-liability/nebraska) - [Nevada](/coverage/management-liability/nevada) - [New Hampshire](/coverage/management-liability/new-hampshire) - [New Jersey](/coverage/management-liability/new-jersey) - [New Mexico](/coverage/management-liability/new-mexico) - [New York](/coverage/management-liability/new-york) - [North Carolina](/coverage/management-liability/north-carolina) - [North Dakota](/coverage/management-liability/north-dakota) - [Ohio](/coverage/management-liability/ohio) - [Oklahoma](/coverage/management-liability/oklahoma) - [Oregon](/coverage/management-liability/oregon) - [Pennsylvania](/coverage/management-liability/pennsylvania) - [Rhode Island](/coverage/management-liability/rhode-island) - [South Carolina](/coverage/management-liability/south-carolina) - [South Dakota](/coverage/management-liability/south-dakota) - [Tennessee](/coverage/management-liability/tennessee) - [Texas](/coverage/management-liability/texas) - [Utah](/coverage/management-liability/utah) - [Vermont](/coverage/management-liability/vermont) - [Virginia](/coverage/management-liability/virginia) - [Washington](/coverage/management-liability/washington) - [West Virginia](/coverage/management-liability/west-virginia) - [Wisconsin](/coverage/management-liability/wisconsin) - [Wyoming](/coverage/management-liability/wyoming) [Other Coverage in Louisiana](/coverage/states/louisiana) ## Sources [^1]: [Louisiana Revised Statutes § 12:1-832](https://www.legis.la.gov/legis/Law.aspx?d=920326) — Louisiana State Legislature; § 12:1-832(A)–(D), protection against monetary liability, exceptions, insurance reference, and pre-2015 articles. Accessed 2026-09-28. [^2]: [Louisiana Revised Statutes § 12:1-852](https://www.legis.la.gov/legis/Law.aspx?d=920335) — Louisiana State Legislature; § 12:1-852, mandatory indemnification after successful defense. Accessed 2026-09-28. [^3]: [Louisiana Revised Statutes §23:302: Definitions](https://legis.la.gov/legis/Law.aspx?d=83865) — Louisiana Legislature; Current §23:302, “employer” definition and exclusions. Accessed 2026-09-28. [^4]: [Louisiana Revised Statutes §23:303: Cause of action](https://www.legis.la.gov/legis/Law.aspx?d=83866) — Louisiana Legislature; Current §23:303, pre-suit notice, good-faith resolution and prescription/suspension rules. Accessed 2026-09-28. [^5]: [29 U.S.C. § 1112, ERISA fidelity bonding](https://www.govinfo.gov/link/uscode/29/1112) — U.S. Government Publishing Office; ERISA § 412(a)–(e): covered plan fiduciaries and persons handling plan funds/property; fraud-or-dishonesty protection; statutory exceptions; amount and procurement rules. Authenticated U.S. Code text records amendments through 2019, accessed 2026-09-28. Accessed 2026-09-28. [^6]: [29 C.F.R. § 2580.412-6, Handling test for ERISA bonding](https://www.ecfr.gov/current/title-29/subtitle-B/chapter-XXV/subchapter-I/part-2580/subpart-A/section-2580.412-6) — Office of the Federal Register, Electronic Code of Federal Regulations; Current eCFR displayed as of 2026-09-24; § 2580.412-6(a)–(b): risk-based handling definition, access/control/disbursement examples, negligible-risk qualification. Accessed 2026-09-28. [^7]: [Louisiana Department of Insurance](https://www.ldi.la.gov/) — Louisiana Department of Insurance; Homepage and consumer services. Accessed 2026-09-28. [^8]: [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. [^9]: [File an Insurance Complaint](https://www.ldi.la.gov/online-services) — Louisiana Department of Insurance; State complaint process and contact. Accessed 2026-09-28. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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. [^17]: [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. [^18]: [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/management-liability/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)