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 is Louisiana’s residual market insurer, not a competitive voluntary-market carrier. For Commercial Property, current public producer guidance is limited on the website; detailed standards and requirements are referenced as being available inside the EPIC operating system for appointed producers. Publicly posted materials indicate underwriting review considers whether requested insurance is reasonable to value, physical condition, construction/heating/wiring, prior fire or damage history, deterioration, occupancy/use, vacancy or overcrowding, storage of rubbish or flammables, maintenance, and other ownership/condition/occupancy issues that may violate law or public policy. The Plan of Operation also states neighborhood/environmental hazards beyond the owner’s control and credit scoring alone are not acceptable sole decline criteria. Operationally, this points to a residual-market appetite for hard-to-place Louisiana property risks that cannot secure voluntary coverage, with scrutiny on condition, occupancy, and hazard controls. Geographic note: business is Louisiana-focused as the state residual market. Producer/submission notes: new agencies must apply for access through the producer page and submit a completed W-9, Property/Casualty license copy, Errors & Omissions insurance copy, completed ACH form, and voided check to Policy Admin; a Louisiana Citizens producer code/login is issued after approval. Producers and representatives have no authority to bind until the subscriber/access agreement is accepted, and by using EPIC they agree to comply with Louisiana Citizens standards, guidelines, and requirements plus applicable Louisiana Regulation 87 and statutes. Broker/producer instruction highlights: use EPIC for access/binding/servicing; FNOL uses EPIC credentials; commissions are not payable on business not bound in accordance with the Plan and underwriting manual. No specific public commercial class appetite list, target classes, or explicit declined class schedule was verified on the public site, so class-level eligibility should be confirmed in EPIC or with Policy Admin before quoting/submitting.