A newly enacted Louisiana law is tightening licensing requirements for insurance producers and adjusters, while simultaneously increasing the value threshold for claims that can be handled without a license.
Senate Bill 40, introduced by Senator Wheat and approved during the 2025 Regular Session, updates multiple sections of the Louisiana Insurance Code related to continuing education (CE) and licensure exemptions.
The legislation maintains the 24-hour continuing education requirement for producers and consultants across life, accident and health or sickness, and property and casualty lines. However, it now specifies that within those 24 hours, licensees must include at least:
The bill applies these requirements differently depending on license combinations. For instance, a person licensed both as a life producer and a life consultant still needs 24 hours total but must allocate time to ethics and legislative updates accordingly. Those licensed in both life/health and property/casualty lines must cover all three topics within their 24-hour cycle.
Adjusters employed by insurers previously exempt from licensing when handling claims under $500 will now only be exempt if the claim does not exceed $2,000. This applies specifically to losses or payments under first-party property and casualty policies.
Licensed adjusters and public adjusters must now complete 24 hours of CE on a biennial basis, which must include ethics and at least two hours dedicated to legislative updates in insurance law.
These changes aim to elevate the professional baseline across the state's insurance workforce, ensuring both awareness of legal updates and readiness for a wider scope of claims work.
