Louisiana Department of Insurance

What Louisiana Department of Insurance does

The Louisiana Department of Insurance (LDI) is a state government regulatory agency headquartered at 1702 N. Third Street in Baton Rouge, with operating responsibility for oversight of all insurance activity in Louisiana under Insurance Commissioner Tim Temple. The agency's mandate covers licensing of insurers, producers, adjusters, and consultants; review and approval of insurance rates and forms; financial solvency examinations; market conduct surveillance; insurance fraud investigation; and consumer protection including complaint resolution and emergency storm assistance. LDI is the parent/administrative authority over Louisiana Citizens Property Insurance Corp and the Louisiana Automobile Insurance Program, which serve as insurers of last resort for homeowners and auto drivers unable to obtain private-market coverage.

LDI's operational technology consists of an online consumer portal at ldi.la.gov, a separate Industry Access Portal for insurer and producer filings, integration with the System for Electronic Rate and Form Filing (SERFF) and the National Insurance Producer Registry (NIPR), and the LDIConnect mobile application on iOS and Android that provides direct access to the Storm Claim Center and consumer services. Core consumer-facing programs include the Louisiana Fortify Homes Program (grants up to $10,000 for FORTIFIED roof upgrades, backed by $30M in state funds and $50M from Louisiana Citizens), the Wind Mitigation Survey Program (premium discounts for storm-hardened homes), transparency tools (Rate Filing Search, Complaint Index Database, Life Insurance Policy Search), and a multi-channel outreach infrastructure including a toll-free hotline, parish pop-up offices, and Disaster Recovery Centers.

As a government entity, LDI does not generate revenue from product sales; consumer services are delivered free of charge. Funding flows from producer/adjuster and company licensing fees, premium taxes, regulatory assessments on insurers, and state appropriations. LDI's primary customers are Louisiana insurance consumers (residential, auto, health, life, flood) and the licensed insurance industry operating in the state. Recent regulatory output has focused on market stabilization following carrier withdrawals, rate transparency, anti-litigation funding enforcement, and catastrophe resilience — the agency reports 14,000+ fortified roof completions, ~25 returning carriers since January 2024, and an average 2.3% auto rate decrease through the first seven months of 2025.

Name

Louisiana Department of Insurance

Legal name

Louisiana Department of Insurance

Website

https://ldi.la.gov

Company type

Public

Founded year

2023

Operating status

Operating

Headcount range

101–250 employees

Short description

The Louisiana Department of Insurance is a state regulatory agency headquartered in Baton Rouge that licenses insurers and producers, approves insurance rates, investigates fraud, and provides consumer protection services to all Louisiana insurance consumers and the licensed insurance industry through digital portals, mobile apps, hotlines, and parish-level field offices.

Ownership category

akta.pro rank

Product category

Insurance Regulation

NAICS

Insurance Carriers and Related Activities (524), Other Insurance Related Activities (52429)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311)

akta.pro primary industry

Landlord / Dwelling Fire (DP) Insurance (FSAJACAD)

akta.pro secondary industry

General Liability Insurance (FSAJAMAE)

Keywords

• Insurance regulation
• Consumer protection
• Producer licensing
• Rate filing review
• Fraud investigation

Headquarters

HQ city

Baton Rouge

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Regulatory Fees and Assessments: The LDI collects various regulatory fees including producer/adjuster licensing fees, company licensing fees, premium taxes, and assessments from regulated entities. These fees fund the department's operations and regulatory activities.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

The Louisiana Department of Insurance is a state regulatory agency that oversees all insurance activities in Louisiana. It licenses insurance producers, adjusters, and companies; reviews and approves insurance rates and forms; investigates insurance fraud; resolves consumer complaints; and administers consumer protection and resilience programs such as the Louisiana Fortify Homes Program. Services to consumers are provided free of charge, funded through regulatory fees and assessments on the insurance industry.

Product overview

The Louisiana Department of Insurance operates as a regulatory agency providing multiple consumer protection and market oversight services. Core offerings include the Louisiana Fortify Homes Program (grants up to $10,000 for hurricane-resistant roof upgrades), Wind Mitigation Survey Program (premium discounts for storm-hardened homes), and Storm Resource Center for disaster preparedness. Digital services include the LDIConnect mobile app and Industry Access Portal for industry filings. Consumer services encompass insurance type guidance (auto, flood, health, homeowners, life, long-term care), complaint filing systems, producer licensing through NIPR, and rate transparency tools. The agency also manages Louisiana Citizens Property Insurance and Louisiana Automobile Insurance Program as insurers of last resort for those unable to obtain private market coverage.

Differentiator

Problem solved

Functional benefit

Brands

• Louisiana Fortify Homes Program: A grant program offering up to $10,000 to homeowners to upgrade roofs to FORTIFIED standards against hurricane-force winds
• LDIConnect
• Louisiana Citizens Property Insurance Corp
• LaSHIP
• Louisiana Automobile Insurance Program

Products and services

• Louisiana Fortify Homes Program State grant program offering up to $10,000 to homeowners for upgrading roofs to the FORTIFIED Roof Standard set by the Insurance Institute for Business & Home Safety (IBHS). Funded by $30 million from state lawmakers and $50 million from the Louisiana Citizens Property Insurance program; available to Louisiana homeowners in eligible parishes.
• LDIConnect Mobile App Mobile application providing Louisiana consumers with access to the Storm Resource Center, Consumer Services contact information, and insurance resources. Available on iOS and Android platforms.
• Industry Access Portal Secure web-based portal for insurance industry professionals to file license renewals, access Producer/Adjuster modules, submit catastrophe adjuster registrations, and manage company regulatory filings with the Louisiana Department of Insurance.
• Wind Mitigation Survey Program Program allowing Louisiana homeowners to receive premium discounts on their homeowners insurance by submitting completed wind mitigation survey forms demonstrating storm mitigation improvements to their homes.
• Storm Resource Center Online resource center providing Louisiana policyholders with guidance on preparing for and recovering from storms, including insurance claim assistance, emergency contact information, and post-storm recovery resources.
• Insurance Fraud Investigation Services Investigation of alleged or suspected insurance fraud committed by or upon insurance agents, brokers, companies, and consumers in Louisiana. Includes coordination with law enforcement agencies and prosecution support.
• Consumer Complaint Filing System Online system enabling Louisiana consumers to submit complaints against insurance companies, agents, or adjusters. Includes pharmacy benefit manager (PBM) complaint tracking.
• Louisiana Citizens Property Insurance Homeowners insurer of last resort for Louisiana property owners unable to secure coverage through the private market. Provides basic property insurance coverage as a state-administered residual market mechanism.
• Louisiana Automobile Insurance Program Auto insurer of last resort for Louisiana drivers unable to secure automobile insurance through the private market. Administered through the Automobile Insurance Plan Service Office (AIPSO).
• Producer/Adjuster Licensing Electronic licensing system for insurance producers, claims adjusters, public adjusters, and insurance consultants operating in Louisiana. Applications filed through NIPR with examination requirements administered via PSI.
• Rate Filing Search Tool Public search tool for viewing homeowners, commercial multiple peril, private passenger automobile, and commercial automobile insurance rate filings submitted to the Louisiana Department of Insurance.
• Complaint Index Database Annual complaint data published by company and insurance product, measuring complaints relative to premium written. Includes auto and homeowners insurance complaint indices for Louisiana insurers.
• Life Insurance Policy Search Tool to help Louisiana consumers locate life insurance information on deceased relatives through a request form submitted to the department.

Quantifiable outcome

• 14,000+ fortified roof projects completed in 2.5 years, increasing grant completion rates from 55% to 86% with gap funding
• +2 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Three partnerships are on record, tiered core and strategic.

• National Insurance Crime Bureau (NICB)coreStrategic or Co-development Partner · 3 March 2026Partnership to combat third-party litigation funding marketing tactics that mislead policyholders into unnecessary legal disputes. Joint initiative to protect consumers from digital lead generation practices that fuel excessive litigation identified as a primary driver of high insurance costs.
• 4WARN (Digital Intelligence Company)coreTechnology or Integration · 3 March 2026Digital intelligence firm providing analytics and monitoring of third-party litigation funding marketing campaigns. Partnership enables LDI to track and counter misleading digital advertising estimated at $380 million in paid search ads from June 2024 to June 2025.
• Southern UniversitystrategicStrategic or Co-development Partner · 31 August 2023Partnership creating a new insurance degree program at Southern University to develop future insurance professionals and increase talent pipeline for the industry in Louisiana.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Regional players

• New York State Department of Financial Services: Combined banking and insurance regulator with strong consumer protection mandate, rate approval authority, and active market intervention. Comparable in regulatory sophistication and breadth to LDI, though operating in a much larger and more diverse market.
• Texas Department of Insurance: State insurance regulatory agency operating in the largest Gulf Coast-adjacent insurance market. Directly comparable to LDI in function (licensing, rate review, consumer protection, market stabilization) but serves Texas rather than Louisiana and does not overlap operationally.
• California Department of Insurance: California's elected insurance commissioner oversees a large, complex insurance market with active consumer protection and rate review authority. Comparable in regulatory scope and structure to LDI, though California's wildfire exposure parallels Louisiana's hurricane exposure.
• Florida Office of Insurance Regulation: Florida's state insurance regulator faces the same hurricane-driven property insurance crisis as Louisiana and has pursued parallel market stabilization, residual-market reform, and rate transparency initiatives. Highly comparable peer given shared catastrophe exposure and reform-era timing.
• Illinois Department of Insurance: Mid-sized state insurance regulator with comparable consumer protection, licensing, and rate review functions. Operates in a market without Louisiana's hurricane exposure but is structurally similar in size and scope.
• Pennsylvania Insurance Department: State insurance regulator with traditional licensing, rate filing, and consumer assistance functions. Comparable in regulatory scope and organizational structure to LDI, though serving a different geographic market.
• Ohio Department of Insurance: Midwestern state insurance regulator with parallel licensing, market conduct, and consumer protection functions. Comparable in scale and structure to LDI.
• North Carolina Department of Insurance: State insurance regulator with active coastal property insurance exposure comparable to Louisiana's hurricane-driven dynamics. Notably, Chuck Myers departed LDI in August 2026 to become chief deputy commissioner at NC DOI, illustrating personnel cross-flow between comparable state regulators.
• Georgia Office of Commissioner of Insurance: Southeastern state insurance regulator with comparable licensing, rate review, and consumer protection functions. Operates in a region with shared Gulf Coast and Atlantic hurricane exposure, making it a comparable peer for market-stabilization strategies.

Broad incumbents

• National Association of Insurance Commissioners (NAIC): National coordinating body for U.S. state insurance regulators, of which LDI is a member. LDI integrates with NAIC systems (SERFF, GRID, Producer Database) and earned national accreditation through NAIC. Acts as a broader incumbent setting standards LDI must implement.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/LAInsuranceDept
• YouTubeyoutube.com/user/LAInsuranceDept
• Facebookfacebook.com/lainsurancedept
• LinkedInlinkedin.com/company/louisiana-department-of-insurance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about Louisiana Department of Insurance