---
title: "Professional Liability (E&O) Insurance in Louisiana"
description: "Compare Louisiana's active real estate license and home-inspector E&O rules, including policy filing and additional liability coverage."
canonical: "https://spot.insure/coverage/professional-errors-omissions/louisiana"
page-type: "coverage-state-guide"
updated-at: "2026-09-28"
---

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# Professional Liability (E&O) Insurance in Louisiana

Louisiana requires active real estate licensees to carry E&O for chapter-regulated activities, with a commission group policy or a compliant independent policy. Active practicing home inspectors have a separate E&O duty and must file a coverage certificate by annual renewal; the statute assigns the board to set their policy terms.[^1][^2]

**Coverage:** [Professional errors and omissions (E&O)](/coverage/professional-errors-omissions) · [Louisiana](/coverage/states/louisiana)

## What Is Professional Errors And Omissions (E&O)?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [Read the national Professional errors and omissions (E&O) guide](/coverage/professional-errors-omissions).

## Louisiana Requirements

| Requirement | Details |
| --- | --- |
| Active real estate licensee E&O | Required for chapter activities; independent coverage must meet commission minimums[^1] |
| Active practicing home inspector E&O | Required; coverage certificate due by annual license renewal[^2] |

## What to Watch for in Louisiana

### File Independent Coverage Each Renewal

An active Louisiana real estate licensee who buys independent E&O must file the commission's verification form with the annual license renewal. Ask the broker who submits it and confirm the independent policy matches commission terms.[^1]

### Home Inspectors Need Separate General Liability

Louisiana's home-inspector statute requires general liability in addition to E&O for active licensees. Ask whether both policies cover the inspection activities performed under the license and whether the E&O certificate was filed by renewal.[^2]

### Check Group-Policy Availability

The real estate E&O mandate becomes void for a contract year only if the commission cannot obtain group coverage for participating licensees at a reasonable cost not exceeding $500. Before assuming the mandate is suspended, ask whether the commission made that statutory determination for the current policy year.[^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]

- [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.[^6][^7]

## Providers With Documented State Licenses

These providers publish a national listing for Professional errors and omissions (E&O); 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.

- [At-Bay](/insurance-providers/at-bay) — **Entity:** At-Bay Insurance Services LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** At-Bay’s license page lists P&C producer and surplus-lines broker license numbers for all 50 states and the District of Columbia. These are company disclosures and do not establish product availability in each jurisdiction.[^8]
- [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.[^9]
- [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.[^10]
- [ERGO NEXT Insurance](/insurance-providers/next-insurance) — **Entity:** Next First Insurance Agency, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry.[^12]
- [Hiscox](/insurance-providers/hiscox) — **Entity:** Hiscox Insurance Company Inc.; **role:** Insurer; **checked:** 2026-09-28. **Scope:** Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product.[^11]
- [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^13]
- [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^14]

## Questions to Ask Before You Buy in Louisiana

1. Does my independent E&O policy satisfy the current Louisiana Real Estate Commission terms, and who files the renewal verification?
2. For an inspection business, do the E&O and general liability policies both cover all activities under the home-inspector license?
3. Has the commission announced any group-policy unavailability determination for this policy year?

## Professional Errors And Omissions (E&O) in Louisiana: FAQ

### Do active real estate licensees in Louisiana need E&O?

Yes. Active licensees must carry E&O for activities under the real estate licensing chapter, unless the statutory group-policy unavailability condition makes the mandate void for that contract year.[^1]

### Do Louisiana home inspectors need E&O insurance?

Yes. Active practicing licensed home inspectors must carry E&O, file proof by annual renewal, and also maintain general liability insurance.[^2]

## Professional Errors And Omissions (E&O) in Other States

- [Alabama](/coverage/professional-errors-omissions/alabama)
- [Alaska](/coverage/professional-errors-omissions/alaska)
- [Arizona](/coverage/professional-errors-omissions/arizona)
- [Arkansas](/coverage/professional-errors-omissions/arkansas)
- [California](/coverage/professional-errors-omissions/california)
- [Colorado](/coverage/professional-errors-omissions/colorado)
- [Connecticut](/coverage/professional-errors-omissions/connecticut)
- [Delaware](/coverage/professional-errors-omissions/delaware)
- [District of Columbia](/coverage/professional-errors-omissions/district-of-columbia)
- [Florida](/coverage/professional-errors-omissions/florida)
- [Georgia](/coverage/professional-errors-omissions/georgia)
- [Hawaii](/coverage/professional-errors-omissions/hawaii)
- [Idaho](/coverage/professional-errors-omissions/idaho)
- [Illinois](/coverage/professional-errors-omissions/illinois)
- [Indiana](/coverage/professional-errors-omissions/indiana)
- [Iowa](/coverage/professional-errors-omissions/iowa)
- [Kansas](/coverage/professional-errors-omissions/kansas)
- [Kentucky](/coverage/professional-errors-omissions/kentucky)
- [Maine](/coverage/professional-errors-omissions/maine)
- [Maryland](/coverage/professional-errors-omissions/maryland)
- [Massachusetts](/coverage/professional-errors-omissions/massachusetts)
- [Michigan](/coverage/professional-errors-omissions/michigan)
- [Minnesota](/coverage/professional-errors-omissions/minnesota)
- [Mississippi](/coverage/professional-errors-omissions/mississippi)
- [Missouri](/coverage/professional-errors-omissions/missouri)
- [Montana](/coverage/professional-errors-omissions/montana)
- [Nebraska](/coverage/professional-errors-omissions/nebraska)
- [Nevada](/coverage/professional-errors-omissions/nevada)
- [New Hampshire](/coverage/professional-errors-omissions/new-hampshire)
- [New Jersey](/coverage/professional-errors-omissions/new-jersey)
- [New Mexico](/coverage/professional-errors-omissions/new-mexico)
- [New York](/coverage/professional-errors-omissions/new-york)
- [North Carolina](/coverage/professional-errors-omissions/north-carolina)
- [North Dakota](/coverage/professional-errors-omissions/north-dakota)
- [Ohio](/coverage/professional-errors-omissions/ohio)
- [Oklahoma](/coverage/professional-errors-omissions/oklahoma)
- [Oregon](/coverage/professional-errors-omissions/oregon)
- [Pennsylvania](/coverage/professional-errors-omissions/pennsylvania)
- [Rhode Island](/coverage/professional-errors-omissions/rhode-island)
- [South Carolina](/coverage/professional-errors-omissions/south-carolina)
- [South Dakota](/coverage/professional-errors-omissions/south-dakota)
- [Tennessee](/coverage/professional-errors-omissions/tennessee)
- [Texas](/coverage/professional-errors-omissions/texas)
- [Utah](/coverage/professional-errors-omissions/utah)
- [Vermont](/coverage/professional-errors-omissions/vermont)
- [Virginia](/coverage/professional-errors-omissions/virginia)
- [Washington](/coverage/professional-errors-omissions/washington)
- [West Virginia](/coverage/professional-errors-omissions/west-virginia)
- [Wisconsin](/coverage/professional-errors-omissions/wisconsin)
- [Wyoming](/coverage/professional-errors-omissions/wyoming)

[Other Coverage in Louisiana](/coverage/states/louisiana)

## Sources

[^1]: [Louisiana Revised Statutes § 37:1466](https://www.legis.la.gov/legis/Law.aspx?d=93306) — Louisiana State Legislature; § 37:1466(A)–(H), active real estate licensees, independent coverage, inactive status, and group policy availability. Accessed 2026-09-28.
[^2]: [Louisiana Revised Statutes § 37:1481](https://www.legis.la.gov/legis/LawPrint.aspx?d=93322) — Louisiana State Legislature; § 37:1481(A)(1)–(3), (B), home-inspector insurance and annual filing. Accessed 2026-09-28.
[^3]: [Louisiana Department of Insurance](https://www.ldi.la.gov/) — Louisiana Department of Insurance; Homepage and consumer services. Accessed 2026-09-28.
[^4]: [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.
[^5]: [File an Insurance Complaint](https://www.ldi.la.gov/online-services) — Louisiana Department of Insurance; State complaint process and contact. Accessed 2026-09-28.
[^6]: [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.
[^7]: [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.
[^8]: [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.
[^9]: [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.
[^10]: [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.
[^11]: [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.
[^12]: [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.
[^13]: [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.
[^14]: [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.

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