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 (LCPIC) is the state’s residual market "insurer of last resort" for property risks that are unable to secure coverage in the voluntary market. By statute, it operates the FAIR (statewide) and Coastal Plans, and must maintain rates at least 10% above the statewide average of comparable voluntary market rates; it is not a competitive market placement and is intended only when no admitted carrier will write the risk. Preferred / intended business - Risks that have been declined or non‑renewed in the voluntary market, or for which no other authorized insurer will offer coverage at a reasonable premium. Agents should exhaust voluntary options first and document attempts. - Dwellings and commercial properties that otherwise meet basic insurability standards (sound construction, acceptable occupancy and maintenance, no uncorrected severe hazards or code issues) but fall outside many voluntary carriers’ appetite (coastal, CAT‑exposed, or distressed areas). - Producers should not place or keep business with Citizens when a private carrier is willing to write the risk and the insured can reasonably accept that offer; Citizens’ statutory role and depopulation materials emphasize that policies remaining with Citizens are those that do not fit insurers’ underwriting standards.([lacitizens.com](https://www.lacitizens.com/AboutUs/property-insurers-in-the-state-of-louisiana-survey?utm_source=openai)) Restricted / declined risks (operational themes) - Uninsurable or severely sub‑standard properties (e.g., major structural deficiencies, severe lack of maintenance, unresolved fire or life‑safety hazards, or open catastrophic damage) are not acceptable. Agents are expected to screen out such risks and avoid binding when underwriting and binding procedures cannot be met.([ldi.la.gov](https://ldi.la.gov/docs/default-source/documents/legaldocs/regulations/reg87-cur-louisianacitizenspr?utm_source=openai)) - Producers must follow LCPIC underwriting, binding and eligibility rules incorporated into Regulation 87; repeated substantive or procedural errors on submissions (e.g., misrating, missing required documentation, binding outside authority or outside guidelines) can result in suspension of binding authority. - Depopulation program guidance reiterates that agents should not authorize take‑out of any policy to a private company that does not meet that company’s underwriting standards; those risks are expected to stay with Citizens, reinforcing that Citizens holds the most difficult property risks rather than routine accounts.([lacitizens.com](https://www.lacitizens.com/docs/default-source/depopulation-rounds/round-20/depopulation-process---round-20%28final%29.pdf?sfvrsn=ba9cec03_1&utm_source=openai)) Geographic notes - Statewide availability under the FAIR Plan and enhanced availability in designated coastal parishes under the Coastal Plan. LCPIC is specifically intended to absorb catastrophe‑exposed property risk where the voluntary market is constrained. - Rating and placement must follow plan (FAIR vs Coastal) rules in EPIC based on location, construction and distance to coast; producers should confirm they are selecting the correct plan and coverage form for each risk. Submission and underwriting requirements for producers - Only licensed property/casualty producers with an active LCPIC producer code and EPIC access may submit and bind business. New agencies must complete the Louisiana Citizens Request for Access / Agency Access process and provide: W‑9, copy of P&C license, E&O declarations, completed ACH form and voided check. Access is granted once all documentation is approved and a producer code is issued.([lacitizens.com](https://www.lacitizens.com/agents?utm_source=openai)) - Regulation 87 requires each producer (and agency, if applicable) holding binding authority to maintain at least $1,000,000 per occurrence and $1,000,000 aggregate professional liability (E&O) coverage and to keep proof of that coverage current in the EPIC system. Failure to maintain or report this coverage can result in loss of binding authority.([ldi.la.gov](https://ldi.la.gov/docs/default-source/documents/legaldocs/regulations/reg87-cur-louisianacitizenspr?utm_source=openai)) - Producers must adhere to LCPIC underwriting and binding procedures embedded in EPIC and in the Citizens Underwriting Manual and Procedure Guide (referenced in external agent materials). Failure to follow these procedures — especially multiple substantive application errors within a 12‑month period — can result in binding authority suspension for up to 12 months, with reinstatement contingent on corrective actions required by Citizens.([ldi.la.gov](https://ldi.la.gov/docs/default-source/documents/legaldocs/regulations/reg87-cur-louisianacitizenspr?utm_source=openai)) Broker / producer practice notes - Citizens views the producer as the front‑line underwriter for eligibility and documentation. The corporation may terminate or suspend producer binding authority if the producer or its representatives do not comply with the Subscriber Agreement, adopted guidelines, or Regulation 87.([lacitizens.com](https://www.lacitizens.com/agency-access-form?utm_source=openai)) - Each producer is responsible for ensuring that all sub‑producers, brokers, and solicitors working under their producer code comply with LCPIC standards and procedures when quoting, binding, servicing or authorizing depopulation moves. Processes and authority flow through the EPIC platform and the Citizens web portal. - Depopulation and incentive‑program communications stress cooperation between Citizens, producers and participating insurers; agents are expected to work actively to move eligible business back to the voluntary market while leaving only truly residual risks with Citizens.([lacitizens.com](https://www.lacitizens.com/docs/default-source/depopulation-rounds/round-20/depopulation-process---round-20%28final%29.pdf?sfvrsn=ba9cec03_1&utm_source=openai)) Operationally, treat LCPIC as a strictly governed residual facility: document voluntary‑market declinations, follow EPIC and manual rules carefully, keep producer licensing/E&O evidence current, and expect close oversight on binding authority and underwriting compliance.