--- title: "Media liability in Louisiana" description: "Louisiana’s two-year tort-prescription change applies prospectively, while a separate special motion can pause qualifying public-issue claims." canonical: "https://spot.insure/coverage/media/louisiana" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- 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/media/louisiana) # Media liability in Louisiana Louisiana adopted a two-year prescriptive period for delictual actions arising after July 1, 2024; the enacted law says the change applies prospectively, and a federal court applying Louisiana law treated defamation as delictual when applying that transition. Separately, Article 971 allows a special motion to strike certain claims tied to petition or free speech on a public issue, with a discovery stay and possible fee awards. Media teams should preserve the first-publication and correction timeline so counsel can assess both the claim date and any motion response.[^1][^2][^4][^3] **Coverage:** [Media liability](/coverage/media) · [Louisiana](/coverage/states/louisiana) ## What Is Media Liability? Media liability can help pay defense costs for claims about content you create or distribute, such as allegations of defamation or infringement. Consider it if you publish or produce content for your business or clients; match the quote to each activity. [Read the national Media liability guide](/coverage/media). ## What to Watch for in Louisiana ### The two-year change has a date boundary Act 423 became effective July 1, 2024 and says its two-year period applies only to delictual actions arising after that date. The Eastern District of Louisiana treated defamation as a delictual action and applied the former one-year rule to earlier incidents in a 2025 case. Have counsel determine the relevant act and timing rather than applying today’s period to every claim.[^1][^4] ### Article 971 is tied to public-issue activity Article 971 addresses a cause of action arising from petition or free speech in connection with a public issue, including statements before or connected with official proceedings and statements in public places or forums about public-interest issues. It does not cover every statement made by a media business; counsel must assess the specific claim.[^2] ### A special motion may pause discovery The motion generally may be filed within 90 days after service of the petition, with a later filing possible at the court’s discretion. A hearing is ordinarily noticed within 30 days, subject to docket conditions, and discovery is stayed while the motion is pending unless the court orders specified discovery for good cause.[^2] ### Either party can receive motion-related fees Article 971 requires a prevailing party on the special motion to receive reasonable attorney fees and costs. The statute separately exempts enforcement actions brought on behalf of Louisiana by specified public prosecutors. These court rules do not promise insurance payment.[^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.[^5][^6][^7] - [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.[^8][^9] ## Providers With Documented State Licenses These providers publish a national listing for Media 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 that the product is available in Louisiana; [check the regulator’s license lookup](https://ldi.la.gov/industry/producer-adjuster/search-for-producers-and-adjusters) and confirm state availability for your business when requesting a quote. - [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only.[^11] - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’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.[^12] ## Questions to Ask Before You Buy in Louisiana 1. What date and version history should we preserve for an original story, later updates, corrections, and repeat distribution? 2. If a claim triggers an Article 971 motion, how do the proposed terms address defense-cost funding, counsel selection, and consent during a discovery stay? 3. Can the broker explain how the policy defines related claims when several demands concern publications about the same subject? ## Media Liability in Louisiana: FAQ ### Does Louisiana’s two-year period apply to every defamation claim? Act 423 says the new two-year period applies prospectively to delictual actions arising after July 1, 2024. A federal court applying Louisiana law treated defamation as delictual and applied the former one-year period to earlier incidents. Counsel should assess the relevant date and any accrual issue.[^1][^4] ### Does Article 971 decide whether an insurer must defend? No. Article 971 sets a court procedure for certain public-issue claims. Insurance response depends on policy wording and claim facts; ask the broker to review those terms.[^2] ## Media Liability in Other States - [Alabama](/coverage/media/alabama) - [Alaska](/coverage/media/alaska) - [Arizona](/coverage/media/arizona) - [Arkansas](/coverage/media/arkansas) - [California](/coverage/media/california) - [Colorado](/coverage/media/colorado) - [Connecticut](/coverage/media/connecticut) - [Delaware](/coverage/media/delaware) - [District of Columbia](/coverage/media/district-of-columbia) - [Florida](/coverage/media/florida) - [Georgia](/coverage/media/georgia) - [Hawaii](/coverage/media/hawaii) - [Idaho](/coverage/media/idaho) - [Illinois](/coverage/media/illinois) - [Indiana](/coverage/media/indiana) - [Iowa](/coverage/media/iowa) - [Kansas](/coverage/media/kansas) - [Kentucky](/coverage/media/kentucky) - [Maine](/coverage/media/maine) - [Maryland](/coverage/media/maryland) - [Massachusetts](/coverage/media/massachusetts) - [Michigan](/coverage/media/michigan) - [Minnesota](/coverage/media/minnesota) - [Mississippi](/coverage/media/mississippi) - [Missouri](/coverage/media/missouri) - [Montana](/coverage/media/montana) - [Nebraska](/coverage/media/nebraska) - [Nevada](/coverage/media/nevada) - [New Hampshire](/coverage/media/new-hampshire) - [New Jersey](/coverage/media/new-jersey) - [New Mexico](/coverage/media/new-mexico) - [New York](/coverage/media/new-york) - [North Carolina](/coverage/media/north-carolina) - [North Dakota](/coverage/media/north-dakota) - [Ohio](/coverage/media/ohio) - [Oklahoma](/coverage/media/oklahoma) - [Oregon](/coverage/media/oregon) - [Pennsylvania](/coverage/media/pennsylvania) - [Rhode Island](/coverage/media/rhode-island) - [South Carolina](/coverage/media/south-carolina) - [South Dakota](/coverage/media/south-dakota) - [Tennessee](/coverage/media/tennessee) - [Texas](/coverage/media/texas) - [Utah](/coverage/media/utah) - [Vermont](/coverage/media/vermont) - [Virginia](/coverage/media/virginia) - [Washington](/coverage/media/washington) - [West Virginia](/coverage/media/west-virginia) - [Wisconsin](/coverage/media/wisconsin) - [Wyoming](/coverage/media/wyoming) [Other Coverage in Louisiana](/coverage/states/louisiana) ## Sources [^1]: [Louisiana Act 423 of 2024 (enrolled HB 315)](https://legis.la.gov/legis/ViewDocument.aspx?d=1381901) — Louisiana Legislature; Sections 1–4: new two-year prescription for delictual actions, repeal of former Civil Code Articles 3492 and 3493, prospective-only applicability, and July 1, 2024 effective date.. Accessed 2026-09-28. [^2]: [Louisiana Code of Civil Procedure Article 971, Special motion to strike](https://www.legis.la.gov/legis/Law.aspx?d=112314) — Louisiana Legislature; Full current article, paragraphs A–F: covered public-issue activity, probability-of-success test, fee award, 90-day filing period, hearing, stay, good-cause discovery, enforcement exception, and definitions.. Accessed 2026-09-28. [^3]: [Louisiana Civil Code Article 3493.1, Delictual actions](https://www.legis.la.gov/legis/Law.aspx?d=1386443) — Louisiana Legislature; Current codified text: two-year prescription beginning on the day injury or damage is sustained; Acts 2024 No. 423, §1, effective July 1, 2024.. Accessed 2026-09-28. [^4]: [Obienu v. Archdiocese of New Orleans, Order & Reasons, No. 25-1028 (E.D. La. Sept. 4, 2025)](https://www.govinfo.gov/content/pkg/USCOURTS-laed-2_25-cv-01028/pdf/USCOURTS-laed-2_25-cv-01028-0.pdf) — United States District Court for the Eastern District of Louisiana, via GovInfo; Pages 7–8: treats defamation claims as delictual and explains Act 423’s prospective-only application; applies the prior one-year period to alleged pre-July 1, 2024 incidents.. Accessed 2026-09-28. [^5]: [Louisiana Department of Insurance](https://www.ldi.la.gov/) — Louisiana Department of Insurance; Homepage and consumer services. Accessed 2026-09-28. [^6]: [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. [^7]: [File an Insurance Complaint](https://www.ldi.la.gov/online-services) — Louisiana Department of Insurance; State complaint process and contact. Accessed 2026-09-28. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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 2026-09-28. 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/media/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)