Insurance Producer License in Louisiana

Louisiana licenses insurance professionals as Insurance Producers through the Louisiana Department of Insurance. Louisiana's insurance market is among the most complex and challenging in the nation due to its extreme exposure to hurricanes, tropical storms, coastal erosion, and flooding. The state has experienced some of the highest property insurance rates in the country, with the Louisiana Citizens Property Insurance Corporation serving as a residual market insurer. New Orleans and Baton Rouge are the primary insurance industry centers. Louisiana requires pre-licensing education of approximately 40 hours per line of authority. The state uses Prometric for exam administration and requires fingerprint-based background checks. Louisiana's unique civil law system (based on Napoleonic Code rather than English common law) creates distinctive legal considerations for insurance contracts and claims. Continuing education is 24 hours biennially, including 3 hours of ethics. Louisiana participates in NIPR for non-resident licensing. The state has robust surplus lines and excess markets due to the difficulty of placing certain coastal risks in standard markets.