Product Recall Insurance in Louisiana
Louisiana requires every food processing plant operating in the state to keep a written recall plan immediately available for review by the department. A separate law permits temporary manufacturing controls and a permit requirement only after investigation finds microorganism contamination during manufacture, processing, or packing is injurious and its risk cannot be adequately determined once the food enters state commerce. 1,2
What Is Product Recall?
Product recall insurance can pay specified costs to locate and withdraw a product after a covered problem. It fits businesses that could face recall logistics; product liability does not automatically pay those costs, so compare the trigger and covered expenses. Read the national Product recall guide.
Louisiana Requirements
| Requirement | Details |
|---|---|
| Written recall plan for food processing plants | Required; immediately available for department review 1 |
What to Watch for in Louisiana
Keep The Processing-Plant Plan Ready
La. R.S. 40:653 requires every food processing plant in Louisiana to maintain a written recall plan immediately available to the department; the statute directs the secretary to set minimum standards by rule. Confirm the broker’s application describes a food processing plant rather than assuming the rule applies identically to a restaurant or unrelated seller. 1
Check The Narrow Permit Trigger
La. R.S. 40:612 addresses a specific finding after investigation: microorganism contamination during manufacture, processing, or packing is injurious, and the risk cannot be adequately determined after entry into state commerce. The department may then set temporary controls and require a valid permit before the affected class enters commerce; ask how the policy treats a regulator-directed pause. 2
Separate Plan Compliance From Policy Terms
The statute requires a plan and authorizes rules setting minimum content, but it does not say recall-plan compliance pays business costs or guarantees insurance response. Ask the broker to compare the covered trigger and expenses against your written plant plan, including contacts, lot records, customer notices, and disposal vendors. 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. 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
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 and confirm availability with a provider when requesting a quote.
Questions to Ask Before You Buy in Louisiana
- Is my Louisiana facility a food processing plant for the written-plan requirement, and does the policy application use the same scope?
- Does the policy respond to a voluntary lot withdrawal, an agency request, and a temporary permit or distribution pause?
- Which plan execution costs are covered: testing, tracing, notifications, consultant fees, returns, storage, or disposal?
- Can the policy’s response provider coordinate with both Louisiana’s department and the federal agency for interstate products?
Product Recall in Louisiana: FAQ
Does Louisiana require a written recall plan for food processors? 1
Yes. La. R.S. 40:653 requires each food processing plant operating in Louisiana to keep a written recall plan immediately available to the department. The statute directs the secretary to establish minimum plan requirements by rule. 1
Can Louisiana require a permit before contaminated food enters commerce? 2
Yes, but under a narrow statutory condition: after investigation, the department must find microorganism contamination during manufacture, processing, or packing is injurious and the risk cannot be adequately determined after entry into state commerce. 2
Product Recall in Other States
Sources
- Louisiana Revised Statutes §40:653, Food Processing Plants; Recall Plan. Louisiana State Legislature; Subsections A–C; written plan effective January 1, 2011; Acts 2009, No. 341, effective July 6, 2009. Accessed 2026-09-28.
- Louisiana Revised Statutes §40:612, Contaminated Food; Permit Control. Louisiana State Legislature; Temporary controls and permit authority following the specified contamination finding; amended 1978, effective July 17, 1978. Accessed 2026-09-28.
- Louisiana Department of Insurance. Louisiana Department of Insurance; Homepage and consumer services. Accessed 2026-09-28.
- Insurance License Lookup. Louisiana Department of Insurance; State-designated producer/company search. Accessed 2026-09-28.
- File an Insurance Complaint. Louisiana Department of Insurance; State complaint process and contact. Accessed 2026-09-28.
- Surplus Lines Premium Tax. Louisiana Department of Insurance; Current tax/transaction fee and July 1, 2026 transition. Accessed 2026-09-28.
- La. R.S. 22:433. Louisiana Legislature; Required policy disclosure; no LIGA protection. Accessed 2026-09-28.
- Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
