On this page
Property and casualty rate, rule and form filings in Louisiana are reviewed by the Louisiana Department of Insurance. This page summarizes how filing works there from public sources: where to search filings that are already public, and the statutes, regulations and department guidance that set the rules, grouped by line of business. Every entry links to the official source.
At a glance
| Regulator | Louisiana Department of Insurance |
|---|---|
| Filing system | SERFF (department source) |
| Public filings | LDI Rate Search Tool (how to search) |
| Lines summarized | Homeowners, Personal auto, Property and dwelling fire, Workers' compensation, General and other liability, Commercial multi-peril, Medical professional liability, Inland marine, Farmowners, Earthquake, Homeowners and auto combination, Product liability, Surety, Title |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in Louisiana, each linked to the official text.
- La. R.S. 22:1465 - Disapproval of filings and the hearing rightWorkers' compensation · Statute
- La. R.S. 22:1451 — File and use, the thirty-day deemer, and the $10,000 commercial informational routeCommercial multi-peril · Statute
- La. R.S. 22:1464 — Rate filingStatute
- La. R.S. 22:1451 and 22:1456 - Which regime governs a Louisiana workers' compensation rate filingWorkers' compensation · Statute
How to search Louisiana's public rate and form filings
- Louisiana's property and casualty rate and rule filing handbook describes a Rate Search Tool, an online search that lets the public and insurers search for filings and track their status. Source
- The handbook says printed copies of approved rate and rule filings cost $0.25 per page. Source
- Requests for copies can also be made through the Public Records Request link on the department's website. Source
Start from the department's page: Louisiana Department of Insurance.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- La. R.S. 22:1265 — Cancellation and refusal to renewStatute
- La. R.S. 22:1451 — Systems for ratemakingStatute
- La. R.S. 22:1454 — Rating standards and methodsStatute
- La. R.S. 22:1464 — Rate filingStatute
- La. R.S. 22:1468 — Fire and allied lines and PIALStatute
- La. R.S. 22:1469(B) — Appeal of a disapproved filingStatute
- La. R.S. 22:1501 et seq. — Use of credit informationStatute
- La. R.S. 22:821 — Filing feesStatute
Last reviewed
Homeowners
Louisiana sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- La. R.S. 22:1483.1 — Louisiana Fortify Homes ProgramStatute
- La. R.S. 22:2303 — Louisiana Citizens rates, rating plans and rate rulesStatute
- LDI Regulation 136 — Fortify Homes Premium DiscountsRegulation
- LDI Bulletin 2026-04 — Regulation 136 FORTIFIED premium discounts and NAIC benchmark guidanceBulletin
- How the Regulation 136 discount level changed during rulemakingDepartment guidance
- LDI Rate and Rule Filing Handbook, June 2025 edition, HomeownersDepartment guidance
Last reviewed
Personal auto
Louisiana sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- La. R.S. 22:1266 - Automobile, property, casualty, and liability insurance policies; cancellationsStatute
- La. R.S. 22:1269 - Direct action against insurerStatute
- La. R.S. 22:1286 - Premium increase based on ageStatute
- La. R.S. 22:1295 - Uninsured motorist coverageStatute
- La. R.S. 22:1454 - Rating standards and methodsStatute
- La. R.S. 22:1457 - Motor vehicle insurance rate reductionsStatute
Last reviewed
Property and dwelling fire
Louisiana sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- La. R.S. 22:1311 - Standard fire insurance policy of the State of LouisianaStatute
- La. R.S. 22:1317 - Coinsurance clauses prohibited unless approved and pricedStatute
- La. R.S. 22:1318 - Valued policy clause; exceptionsStatute
- La. R.S. 22:1319 - Fire insurance policy coverage disclosure insertStatute
- La. R.S. 22:1451(C) - Commercial risks at or above $10,000 filed for informational purposesStatute
- La. R.S. 22:1460 - Fire insurance rates; the Property Insurance Association of LouisianaStatute
Last reviewed
Workers' compensation
Louisiana sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- La. R.S. 22:1451 and 22:1456 - Which regime governs a Louisiana workers' compensation rate filingStatute
- La. R.S. 22:1454 and 22:1452 - Rating standards, methods and definitionsStatute
- La. R.S. 22:1464(B) and 22:1466(G) - Loss costs, the company multiplier and the limits on a rating organizationStatute
- La. R.S. 22:1465 - Disapproval of filings and the hearing rightStatute
- La. R.S. 23:1176, 23:1178 and 23:1179 - The mandatory Louisiana workers' compensation premium creditsStatute
- La. R.S. 23:1181 and 22:1473 - Experience rating data and the statistical planStatute
Last reviewed
General and other liability
Louisiana sources for general and other liability filings (SERFF type of insurance 17.0 Other Liability).
- LDI Rate and Rule Filing Handbook, June 2025 editionRegulation
- La. R.S. 22:1464 — Rate filingDepartment guidance
- LDI Bulletin 2013-04 — Catastrophe Model InterrogatoriesDepartment guidance
- LDI Policy Form Filing Handbook, April 2022 editionDepartment guidance
Last reviewed
Commercial multi-peril
Louisiana sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- La. R.S. 22:1451 — File and use, the thirty-day deemer, and the $10,000 commercial informational routeStatute
- La. R.S. 22:1456 — Scope, and the designation for a combination of kinds of insuranceStatute
- La. R.S. 22:1464 — The filing duty, the loss cost multiplier route, public inspection and excess ratesStatute
- La. R.S. 22:1466 and 22:1471 — Rating organizations and advisory organizations are different thingsStatute
- La. R.S. 22:1468 — Adherence is mandatory, and the two deviation routesStatute
- LDI Regulation 111 — Consent to RateRegulation
Last reviewed
Medical professional liability
Louisiana sources for medical professional liability filings (SERFF type of insurance 11.0 Med Mal).
- La. R.S. 22:1451 — Systems for ratemakingDepartment guidance
- LDI Bulletin 2013-04 — Catastrophe Model InterrogatoriesDepartment guidance
- LDI Policy Form Filing Handbook, April 2022 editionDepartment guidance
- LDI Rate and Rule Filing Handbook, June 2025 editionDepartment guidance
Last reviewed
Inland marine
Louisiana sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- La. R.S. 22:1451 - filings and 30-day reviewStatute
- La. R.S. 22:1452 - purpose and standardsStatute
- La. R.S. 22:1454 - definitionsStatute
- La. R.S. 22:1464 - rate filingsStatute
- LDI Bulletin 2016-03 - Schedule Rating PlansBulletin
- Rate and Rule Filing HandbookDepartment guidance
Last reviewed
Farmowners
Louisiana sources for farmowners filings (SERFF type of insurance 03.0 Personal Farmowners).
- LDI Bulletin 2013-04 — Catastrophe Model InterrogatoriesDepartment guidance
- LDI Bulletin 2026-04 (Revised and Reissued) — Regulation 136 Fortified premium discounts and NAIC benchmark guidanceDepartment guidance
- LDI Bulletin No. 08-02 - Uninsured/Underinsured Motorist Bodily Injury Coverage FormDepartment guidance
- LDI Rate and Rule Filing Handbook, June 2025 edition, HomeownersDepartment guidance
- Louisiana Department of Insurance - Rate and Rule Filing Handbook (June 2025 edition)Department guidance
Last reviewed
Earthquake
Louisiana sources for earthquake filings (SERFF type of insurance 12.0 Earthquake).
- La. R.S. 22:1464 — Rate filingDepartment guidance
- LDI Bulletin 2013-04 — Catastrophe Model InterrogatoriesDepartment guidance
- LDI Policy Form Filing Handbook, April 2022 editionDepartment guidance
- LDI Rate and Rule Filing Handbook, June 2025 editionDepartment guidance
Last reviewed
Homeowners and auto combination
Louisiana sources for homeowners and auto combination filings (SERFF type of insurance 30.0 Homeowner/Auto).
- LDI Bulletin 2013-04 — Catastrophe Model InterrogatoriesDepartment guidance
- LDI Bulletin 2026-04 (Revised and Reissued) — Regulation 136 Fortified premium discounts and NAIC benchmark guidanceDepartment guidance
- LDI Bulletin No. 08-02 - Uninsured/Underinsured Motorist Bodily Injury Coverage FormDepartment guidance
- LDI Rate and Rule Filing Handbook, June 2025 edition, HomeownersDepartment guidance
- Louisiana Department of Insurance - Rate and Rule Filing Handbook (June 2025 edition)Department guidance
Last reviewed
Product liability
Louisiana sources for product liability filings (SERFF type of insurance 18.0 Product Liability).
- LDI Rate and Rule Filing Handbook, June 2025 editionRegulation
- La. R.S. 22:1464 — Rate filingDepartment guidance
- LDI Bulletin 2013-04 — Catastrophe Model InterrogatoriesDepartment guidance
- LDI Policy Form Filing Handbook, April 2022 editionDepartment guidance
Last reviewed
Surety
Louisiana sources for surety filings (SERFF type of insurance 24.0 Surety).
- LDI Rate and Rule Filing Handbook, June 2025 editionRegulation
- Louisiana Regulation 78 Policy Forms HandbookRegulation
- La. R.S. 22:861Department guidance
Last reviewed
Title
Louisiana sources for title filings (SERFF type of insurance 34.0 Title).
- La. R.S. 22:1452 — Purpose of rate regulation; construction; definitionsDepartment guidance
- La. R.S. 22:1464 — Rate filingDepartment guidance
- LDI Bulletin 2013-04 — Catastrophe Model InterrogatoriesDepartment guidance
- LDI Policy Form Filing Handbook, April 2022 editionDepartment guidance
Last reviewed
Not legal advice. This is a summary of public sources, last reviewed September 18, 2026. Requirements change and differ by line and filing: verify them with the Louisiana Department of Insurance before you file. All states