What This License Is
A Louisiana Casualty license lets you sell coverage protecting against legal liability — auto liability, commercial general liability, workers compensation, and umbrella lines in Louisiana. It is issued by the Louisiana Department of Insurance.
Licensing runs through the same process as every Louisiana producer line — the difference is the focused Casualty exam.
Exam Options & Format
The Casualty exam is Casualty Producer (Series 105, PSI): 100 questions, 2 hr, $36 per attempt. Passing standard: 70%.
Louisiana also offers the combined exam (Property & Casualty Producer (Series 106): 150 questions, 3 hr, $58), which licenses both lines in one sitting. If there is any chance you will sell property products later, the combined exam is usually the better value.
PSI runs the exam, and there is no pre-licensing requirement
Louisiana contracts exam delivery to PSI, so you study from the PSI Louisiana Candidate Information Bulletin and register through PSI's site. The Louisiana Department of Insurance (LDI) sets the rules and issues the license.
Two things make Louisiana stand out. First, Louisiana does not require pre-licensing education for producer exams - you can register and test whenever you are ready. Second, as of July 8, 2024, remote testing is no longer offered; every exam is taken in person at a PSI test center.
Fingerprinting through IdentoGO/Idemia
Louisiana requires a fingerprint-based state and federal background check, handled by IdentoGO/Idemia. Schedule a Livescan appointment, use LDI service code 27N339, and pay the $60.75 fee at the appointment. Results reach LDI through Louisiana State Police, typically within about three days.
Order matters here: you must submit your license application before you get fingerprinted - prints submitted ahead of the application are not accepted. Fingerprinting is also not required when an already-licensed resident producer simply adds a line of authority.
Submit the license application through NIPR
File your resident producer application electronically through NIPR. The state fee is $75 per line of authority, so a two-line license such as Property & Casualty runs $150 in application fees.
Report any change of name, address, or application information to LDI within 30 days - Louisiana fines late changes.
Continuing education and renewal
Resident producers complete 24 hours of approved continuing education every two-year period, including 3 hours of ethics. Up to 10 unused hours carry over to the next cycle as general credit, and you cannot repeat the same course for credit within a two-year window.
Licenses renew on the last day of your birth month every two years. Whether you renew in an even or odd year is set by your license number - even-numbered licenses renew in even years, odd in odd years.
Louisiana's auto framework
Louisiana is an at-fault (tort) state: the driver who causes a crash is financially responsible. The minimum liability limits are 15/30/25 - $15,000 bodily injury per person, $30,000 per accident, and $25,000 property damage - set under R.S. 32:900 and among the lowest in the nation.
The standout Louisiana rule is 'no pay, no play.' An uninsured driver is barred from recovering the first $15,000 of bodily injury damages and the first $25,000 of property damage, even if the other driver was at fault. It is a favorite exam point because it is so distinctive.
Uninsured and underinsured motorist coverage
Under R.S. 22:1295, an auto liability policy must include UM/UIM coverage equal to the policy's liability limits unless the named insured rejects it, selects lower limits, or selects economic-only coverage. That choice is valid only on the form prescribed by the commissioner of insurance.
A properly completed and signed form creates a rebuttable presumption that the insured knowingly made the choice; courts have held that a defective form fails and forces the policy to carry UM at full liability limits. Given Louisiana's high uninsured-driver rate, UM is practically essential coverage.
Louisiana Citizens, FAIR and Coastal Plans
Hurricane and flood exposure shapes Louisiana's property market, so the exam tests its residual-market programs. Louisiana Citizens Property Insurance Corporation (R.S. 22:2291-2314) is the insurer of last resort for property owners who cannot find coverage in the voluntary market, working alongside the FAIR and Coastal Plans (R.S. 22:2321) and Wind and Hail Associations.
Round it out with the Valued Policy Law (R.S. 22:1318), which fixes the payable amount on a total fire loss to a covered building, the standard fire policy (R.S. 22:1311), and the Louisiana Insurance Guaranty Association (R.S. 22:2051-2070).
Quick Reference
Official Links
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