Louisiana Citizens Prop Ins Corp
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Louisiana Citizens Property Insurance Corporation is Louisiana’s residual market property insurer and states it exists for residential and commercial property applicants who are in good faith entitled to coverage but are unable to procure insurance in the voluntary market. Current public guidance on the official site is more producer-access and program-structure oriented than a traditional carrier appetite guide. Operationally, the carrier appears intended as market-of-last-resort property business rather than preferred-market placements. Product/program references on the site indicate personal and commercial property offerings, with commercial business written through FAIR Plan and Coastal Plan rating structures; current rate notices reference both FAIR Plan and Coastal Plan and show quoting for new and renewal business by effective date in the system. Geographic note: Louisiana-only residual market exposure, with separate Coastal Plan treatment indicating specific coastal property segmentation. Restricted/declined classes are not clearly published in a current public appetite or underwriting guide on the official website, so no verified class-by-class decline list could be confirmed from official sources. Submission/producer requirements that are clearly published: new agencies seeking access must complete the Louisiana Citizens Request for Access Form and submit a completed W-9, copy of Property/Casualty license, copy of Errors & Omissions insurance, completed ACH form, and voided check; after approval, the agency receives a Louisiana Citizens Producer Code and login. Broker/producer notes: existing producers access the EPIC system; commercial quoting guidance in published rate notices says INOW allows requested effective dates up to 60 days in advance and does not allow backdating; all policies effective on or after the cited effective date are priced using the then-current approved rates regardless of quote generation date. Additional operational notes: the site emphasizes depopulation of eligible policies to private insurers, reinforcing that Citizens is not intended to retain business long term when voluntary-market options become available. Because no current official underwriting manual, appetite bulletin, or submit-business class guide was verified on the official website, this refresh is based on the official producer page, company overview language, and current rate/program notices rather than a traditional underwriting guide.