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Louisiana surplus lines insurer bonds.
$1,000 flat.
A non-admitted carrier seeking a place on Louisiana’s approved unauthorized insurer list posts security with the Commissioner of Insurance — either money and approved government bonds on deposit, or a surety bond delivered in their place. This is the $100,000 filing at $1,000 flat, and the price you see is the checkout price.
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Three steps to filed.
Your eligibility file is waiting on one document. Here’s the whole process — no broker phone tag:
Apply once, online
Company details, the parish of your Louisiana office or agent for service, your NAIC number, and an effective date. That is the application. No credit check.
Pay & e-sign
Bonds at this level are among the thousands of types that issue right after purchase.
File with the Department of Insurance
The executed bond and power of attorney arrive by email, ready to go into your eligibility file. The Department wants the original on its own form, so we mail the wet-ink copy on request.
What it is and who needs it.
What the surplus lines insurer bond actually guarantees
Surplus lines insurance is the market for risks the admitted carriers will not take. A surplus lines broker may place business only with an unauthorized insurer that Louisiana has found eligible, and the Commissioner of Insurance keeps a published list of approved unauthorized insurers under R.S. 22:436. Being on that list is prima facie evidence that the carrier meets the financial tests of R.S. 22:435.
Louisiana backs that eligibility with money, not just paperwork. A foreign or alien insurer places with the Commissioner a safekeeping or trust receipt from a Louisiana bank or savings and loan showing $100,000 in cash or in approved bonds of the United States, the State of Louisiana, or one of its political subdivisions — or, in lieu of that deposit, delivers a bond in the same amount issued by an authorized surety company. This page is that bond.
The security is not a fee and not a reserve you get to use. It stays pledged to the Commissioner, and it cannot simply be pulled: a bond may not be cancelled unless a substitute bond or deposit is in place, or the insurer has satisfied the Commissioner that it has discharged every obligation and liability it owes in Louisiana. Withdrawal requires the Commissioner’s approval.
It sits on top of the eligibility tests, not instead of them: a foreign insurer needs capital and surplus of at least $15,000,000, an alien insurer needs to appear on the NAIC International Insurers Department’s Quarterly Listing of Alien Insurers, and an approved carrier files an annual statement as of the preceding December 31 plus a producer production report by April 15. It is not insurance for you — if the surety pays, you repay the surety.
You need this bond if you’re
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the $100,000 bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose; a longer term is the same price per year, chosen at checkout.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
File with the Department of Insurance. The executed bond and power of attorney arrive by email, ready to go into your eligibility file. The Department wants the original on its own form, so we mail the wet-ink copy on request.
What sets the price
The premium is fixed at $1,000 at the $100,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
No credit check.
One application, issued instantly.
These are the actual issuing fields — company details, the parish, and your NAIC number. No credit check.
Start the application →Common questions.
Other Louisiana bonds.
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Price and requirements checked on the carrier’s application, . Page updated .
The Department is waiting on one document.
$1,000 flat, short application, bond often issued in the same sitting. Free until issued.