Louisiana Sets 30-Day Notice Standard for Surplus Lines Cancellations and Nonrenewals

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LA| Advisory Letter 2026-01 from the Louisiana Department of Insurance clarifies that, although the Insurance Code does not expressly impose statutory cancellation or nonrenewal notice standards on surplus lines insurers, the Commissioner is exercising general regulatory authority to require consumer-protective notice practices for surplus lines property and casualty policies in the state. Citing La. R.S. 22:887 and 22:1267 as context for admitted market notice requirements, the letter explains that surplus lines insurers issuing commercial and residential property and casualty coverage in Louisiana must provide insureds with at least thirty days’ advance written notice before canceling or nonrenewing a policy, except where a shorter period is specifically allowed by law for circumstances such as nonpayment of premium. The stated intent is to promote fairness, ensure policyholders have time to secure replacement coverage, and maintain consistency with legislative goals for orderly access to surplus lines insurance.

Click here to see LA Advisory Letter 2026-01

  • Bulletin
  • Louisiana
  • Department of Insurance

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