--- title: "Louisiana Umbrella and Excess Liability Guide" description: "Separate Louisiana’s qualified medical malpractice excess system from commercial excess required for construction and other contracts." canonical: "https://spot.insure/coverage/umbrella-excess/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/umbrella-excess/louisiana) # Louisiana Umbrella and Excess Liability Guide Louisiana’s Patient’s Compensation Fund and a business umbrella are separate layers. A provider who qualifies under the Medical Malpractice Act must file proof of at least $100,000-per-claim malpractice insurance (or, if self-insured, $125,000 in approved security) and pay a surcharge. For a qualified provider, liability for one patient is capped at $100,000; the Fund may cover excess malpractice damages only up to the statutory $500,000 total-recovery cap, excluding future medical care and related benefits. A Baton Rouge/Parish subcontract separately requires a $1 million follow-form commercial excess/umbrella for that work. Confirm each layer’s named insured and liability type.[^1][^2][^5] **Coverage:** [Umbrella and excess liability](/coverage/umbrella-excess) · [Louisiana](/coverage/states/louisiana) ## What Is Umbrella And Excess Liability? Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [Read the national Umbrella and excess liability guide](/coverage/umbrella-excess). ## Louisiana Requirements | Requirement | Details | | --- | --- | | Medical malpractice financial responsibility and limits | For a provider qualifying under R.S. 40:1231.2(A), qualification requires filed proof under subsection E and payment of the statutory surcharge. Subsection E sets at least $100,000 per claim in malpractice insurance, or $125,000 approved security for self-insured providers. Related self-insured providers practicing together or related by ownership may be treated as one provider for the deposit. For one patient, a qualified provider’s liability is capped at $100,000 and the total recoverable from providers plus the Fund is $500,000, excluding future medical care and related benefits. This is a statutory malpractice system, not a general-business umbrella.[^1][^4] | | Who the medical-malpractice definition reaches | As amended effective August 1, 2025 by Act 342, R.S. 40:1231.1(A)(10) defines healthcare providers to include listed licensed or certified people (such as physicians, hospitals, nursing homes, dentists, nurses, therapists, pharmacists and ambulance services), licensed or certified facilities, professional corporations and specified partnerships, LLCs, management companies and corporations providing healthcare, plus their officers, employees, partners, members, shareholders or agents acting within the scope of employment. A person or entity that fails to qualify is outside this Part and remains subject to ordinary liability law. Do not apply the Fund to a business solely because it provides healthcare-related services.[^2][^3] | | East Baton Rouge subcontract requirement example | The state-hosted subcontract form requires $1 million each-occurrence excess/umbrella follow-form over primary coverage, with waiver-of-subrogation and additional-insured endorsements for the contractor and owner. The clause applies to the subcontractor and work described in that contract, not all Louisiana businesses.[^5] | ## What to Watch for in Louisiana ### The malpractice Fund is not automatic for every care business The provider definition is broad but specific, and Act 342 amended it effective August 1, 2025. Fund qualification also requires filed financial-responsibility proof and a surcharge. Verify that the named practitioner and legal entity fit the statute and have qualified for the policy and service dates; a generic healthcare label or umbrella certificate does not establish Fund enrollment.[^2][^3][^1] ### Commercial construction excess must meet its own contract The Baton Rouge/Parish form requires follow-form excess/umbrella over identified primary coverages, plus additional-insured and waiver-of-subrogation terms for the owner and contractor. Do not count malpractice Fund benefits toward this $1 million contract layer, or assume the commercial layer covers professional medical claims; verify schedules, named parties, and attachment terms in the policies.[^5][^4] ### A self-insured provider uses approved security, not an assumed umbrella R.S. 40:1231.2(E) specifies $125,000 in money or approved security for a self-insured provider’s medical-malpractice financial responsibility. The statute describes the allowed instruments and board approval; a separate umbrella policy is not listed as a substitute in that subsection. Confirm the provider’s submitted proof and Fund participation rather than relying on a generic excess certificate.[^1] ### State and local providers have a material exception R.S. 40:1231.1(I) generally excludes medical-malpractice actions against the state or its political subdivisions from this Part, with exceptions for hospital service districts and municipally owned hospitals and their controlled entities; specified emergency medical technicians and contracted medical advisors or nurses are also covered. Confirm the entity and employment/contract status before describing a provider as eligible for PCF excess coverage.[^2] ### Match each contract line to the correct underlying coverage The Baton Rouge/Parish subcontract language separates general liability, auto, workers’ compensation/employers’ liability, and $1 million excess/umbrella. The PCF source concerns medical malpractice. If your operations include vehicles, jobsite injuries, or property damage, review those commercial policy schedules independently and check whether the excess wording follows each required line.[^5][^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.[^6][^7][^8] - [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.[^9][^10] ## Providers With Documented State Licenses These providers publish a national listing for Umbrella and excess 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. - [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.[^13] - [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.[^16] - [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.[^17] ## Questions to Ask Before You Buy in Louisiana 1. Is the named person or entity a provider qualifying under Louisiana’s Medical Malpractice Act, and is the record current for the policy and service dates? 2. Has the provider filed the required $100,000-per-claim insurance proof or $125,000 approved self-insurance security, and paid the applicable Fund surcharge? 3. Which liability policies must sit beneath the contract’s follow-form excess/umbrella, and are owner/contractor additional-insured and waiver terms endorsed at each layer? 4. Does the contract require separate commercial auto, workers’ compensation/employers’ liability, or pollution coverage in addition to excess limits? ## Umbrella And Excess Liability in Louisiana: FAQ ### Can Louisiana’s Patient’s Compensation Fund satisfy a commercial umbrella requirement? The Fund provides statutory excess medical-malpractice coverage for qualified participating private providers. A commercial contract’s umbrella usually addresses its own scheduled liability lines; the cited government sources do not say that PCF satisfies a commercial GL or auto limit.[^4][^5] ### Does Louisiana require every subcontractor to carry a $1 million umbrella? No universal rule is established by these sources. The $1 million follow-form requirement is in a state-hosted East Baton Rouge/Parish subcontract form for the specified work. Read your own contract and endorsements.[^5] ## Umbrella And Excess Liability in Other States - [Alabama](/coverage/umbrella-excess/alabama) - [Alaska](/coverage/umbrella-excess/alaska) - [Arizona](/coverage/umbrella-excess/arizona) - [Arkansas](/coverage/umbrella-excess/arkansas) - [California](/coverage/umbrella-excess/california) - [Colorado](/coverage/umbrella-excess/colorado) - [Connecticut](/coverage/umbrella-excess/connecticut) - [Delaware](/coverage/umbrella-excess/delaware) - [District of Columbia](/coverage/umbrella-excess/district-of-columbia) - [Florida](/coverage/umbrella-excess/florida) - [Georgia](/coverage/umbrella-excess/georgia) - [Hawaii](/coverage/umbrella-excess/hawaii) - [Idaho](/coverage/umbrella-excess/idaho) - [Illinois](/coverage/umbrella-excess/illinois) - [Indiana](/coverage/umbrella-excess/indiana) - [Iowa](/coverage/umbrella-excess/iowa) - [Kansas](/coverage/umbrella-excess/kansas) - [Kentucky](/coverage/umbrella-excess/kentucky) - [Maine](/coverage/umbrella-excess/maine) - [Maryland](/coverage/umbrella-excess/maryland) - [Massachusetts](/coverage/umbrella-excess/massachusetts) - [Michigan](/coverage/umbrella-excess/michigan) - [Minnesota](/coverage/umbrella-excess/minnesota) - [Mississippi](/coverage/umbrella-excess/mississippi) - [Missouri](/coverage/umbrella-excess/missouri) - [Montana](/coverage/umbrella-excess/montana) - [Nebraska](/coverage/umbrella-excess/nebraska) - [Nevada](/coverage/umbrella-excess/nevada) - [New Hampshire](/coverage/umbrella-excess/new-hampshire) - [New Jersey](/coverage/umbrella-excess/new-jersey) - [New Mexico](/coverage/umbrella-excess/new-mexico) - [New York](/coverage/umbrella-excess/new-york) - [North Carolina](/coverage/umbrella-excess/north-carolina) - [Ohio](/coverage/umbrella-excess/ohio) - [Oklahoma](/coverage/umbrella-excess/oklahoma) - [Oregon](/coverage/umbrella-excess/oregon) - [Pennsylvania](/coverage/umbrella-excess/pennsylvania) - [Rhode Island](/coverage/umbrella-excess/rhode-island) - [South Carolina](/coverage/umbrella-excess/south-carolina) - [South Dakota](/coverage/umbrella-excess/south-dakota) - [Texas](/coverage/umbrella-excess/texas) - [Vermont](/coverage/umbrella-excess/vermont) - [Virginia](/coverage/umbrella-excess/virginia) - [Washington](/coverage/umbrella-excess/washington) - [West Virginia](/coverage/umbrella-excess/west-virginia) - [Wisconsin](/coverage/umbrella-excess/wisconsin) [Other Coverage in Louisiana](/coverage/states/louisiana) ## Sources [^1]: [Louisiana R.S. 40:1231.2, Limitation of recovery](https://legis.la.gov/Legis/Law.aspx?d=97087) — Louisiana State Legislature; Subsections A, B and E: qualification requires filed proof and surcharge; $100k provider limit and $500k total recovery cap (excluding future medical care), at least $100k per claim insurance or $125k self-insured security. Accessed 2026-09-28. [^2]: [Louisiana R.S. 40:1231.1, Definitions and general applications](https://legis.la.gov/Legis/Law.aspx?d=97086) — Louisiana State Legislature; Subsection A(10) provider classes, D non-qualification consequence, and I state/political-subdivision exception and emergency-service carve-ins; current page reflects Act 342 effective Aug. 1, 2025. Accessed 2026-09-28. [^3]: [2025 Senate Bill 134 / Act 342](https://www.legis.la.gov/Legis/BillInfo.aspx?i=248487) — Louisiana State Legislature; Current bill status states Act 342 and effective date August 1, 2025; amended the Medical Malpractice Act health-care definitions. Accessed 2026-09-28. [^4]: [Patient’s Compensation Fund](https://doa.la.gov/doa/mmc/pcf/) — Louisiana Division of Administration, Medical Malpractice Claims; Patient’s Compensation Fund overview: private-provider excess coverage, first $100,000 of exposure, security option and provider surcharge/participation. Accessed 2026-09-28. [^5]: [Louisiana Subcontract Agreement Form](https://wwwprdcf.doa.louisiana.gov/osp/lapac/agency/pdf/8880400.pdf) — Louisiana Division of Administration, Office of State Procurement; §§ C–E, PDF pp. 21–22: auto and workers’ compensation separate; follow-form excess/umbrella $1m each occurrence; additional-insured and waiver requirements. Accessed 2026-09-28. [^6]: [Louisiana Department of Insurance](https://www.ldi.la.gov/) — Louisiana Department of Insurance; Homepage and consumer services. Accessed 2026-09-28. [^7]: [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. [^8]: [File an Insurance Complaint](https://www.ldi.la.gov/online-services) — Louisiana Department of Insurance; State complaint process and contact. Accessed 2026-09-28. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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. [^17]: [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/umbrella-excess/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)