LOUISIANAAGENT 2025
J U L Y
LEGISLATION
IIABL 2025 Legislative Session Report
BRAND TOUR
Bring Your Brand to Life: Building a Personal Brand that Connects
Kathleen O’Regan
Karson Kyle Ben Albright
IIABL STAFF
Benjamin Albright
Chief Executive Officer, President balbright@iiabl.com (225) 236-1357
Karen Kuylen
Director of Accounting & Finance kkuylen@iiabl.com (225) 236-1353
Jamie Newchurch
Director of Insurance Programs jnewchurch@iiabl.com (225) 236-1350
Kathleen O'Regan
Director of Communications & Events koregan@iiabl com (225) 236-1360
Karson Kyle
Communications & Events Administrator kroberts@iiabl com (225) 236-1351
Lyra Roberts
E&O Administrator lyra.roberts@iiaba.net (225) 236-1352
IIABL LEGISLATIVESESSIONREPORT 2025
BEN ALBRIGHT
IIABL PRESIDENT & CEO
In this article, IIABL outlines key legislative wins and challenges from the 2025 session, focusing on legal reforms aimed at reducing insurance costs and curbing lawsuit abuse.
IIABL’s legislative team was once again hard at work representing the interests of independent insurance agents during the 2025 Louisiana Legislative Session. It was a particularly active and high-stakes session, with insurance issues taking center stage in response to ongoing market pressures and consumer concerns From legal system reform to property insurance stabilization and regulatory modernization, lawmakers filed a broad array of bills impacting our industry The outcomes were mixed some meaningful reforms were enacted, others fell short or were vetoed, and some truly bad bills also made their way into law This brief serves only as an overview Click here to view the full legislative update provides a summary of the key bills from the session that agents need to be aware of, including what passed, what didn’t, and how these developments could affect your business moving forward For additional information, we hope that you’ll attend our legislative wrap-up events in a town near you
Legal System Abuse Reforms
One of the most pressing issues this session was the need to address legal system abuse, which has been a driving force behind the high cost of both commercial and personal auto insurance in Louisiana. Excessive litigation, inflated medical claims, and outdated liability standards have contributed to some of the highest auto insurance rates in the country. Lawmakers responded with a package of tort reform bills aimed at restoring fairness to the legal system and reducing unnecessary costs in the claims process. Below is a summary of the key legal reform measures considered during the session.
1.HB 431 (Chenevert)
Passed – became law
Establishes a 51% liability bar to recover damages in a lawsuit, meaning plaintiffs found to be 51% or more at fault for an accident cannot recover damages. This is a significant change, that could have a material affect, helping reduce claims costs
2.
SB 231 (Reese)
Passed – became law
Limits recoverable medical expenses to amounts actually paid, not billed
Changes the “collateral source” rule in Louisiana again
Only addresses costs that have been fully paid by the time of trial Anything billed, but unpaid is not addressed More work is needed to get this law in a balanced state to reduce legal system abuse by removing excessive medical costs
Continued from page 6
The passage of modified comparative fault was a significant victory in the effort to bring fairness and balance to Louisiana’s legal system. This reform represents meaningful progress, but it is only a step, and there is a lot of work still to do. Louisiana still lags behind neighboring states like Mississippi when it comes to affordable auto insurance, largely due to the ongoing cost drivers embedded in our legal environment. If we want to see sustained reductions in auto insurance rates for both consumers and businesses, we must continue to pursue bold and comprehensive legal system reforms in future sessions.
Property Reforms
While legal system abuse and auto insurance dominated much of the legislative spotlight this session, lawmakers also took steps to address the ongoing challenges in Louisiana’s struggling property insurance market. Though not as extensive as the tort reform efforts, several important measures were passed to improve claims handling, promote stronger construction practices, and offer targeted financial relief to policyholders.
1.HB 85 (Gadberry)
Passed – Became Law
Requires a permit when putting a new roof on a building
Should provide better data for agents and companies for underwriting
2.SB 28 (Talbot)
Passed – Became Law
Establishes an income tax credit for taxpayers who pay to have a fortified roof installed on their property
Up to $10,000 in cost can be written off of your state income taxes
Continued from page 7
3.HB 437 (Firment)
Passed – Became Law without Governor signature
Provides settlement practices for claims relative to property and rentals of motor vehicles
Adds some requirements to insurers responding to property and auto claims
Allows insurers to require proof of payment of deductible before releasing recoverable depreciation on an RCV policy
Allows insurers to require a signed, proof of loss form
Clarifies that, if an insurer requires such a form, the bad-faith clock doesn’t start until the form is submitted 4.SB 111
Passed but was vetoed by the governor
Provides for fair claims processing; however, it was vetoed by the Governor.
Probably the most important property bill of the session was HB 437. The ability to require a signed, proof of loss form is something that property insurers have been requesting for some time because it provides clarity around bad-faith laws which makes their catastrophe losses more predictable. Virtually every other state in the country allows such a form.
For agents, this form can also be an important tool to resolve claims appropriately after storms. If an insurer is dragging their feet adjusting a claim, the policyholder can get the appropriate data from a contractor’s estimate and submit a proof of loss form. The insurer then has 10 days to respond to the form and move the claim forward.
Other Bills of Note
1.HB 148 (Wiley)
Passed – Became Law
This was the Governor’s Frankenstein monster bill
LEGISLATIVEREPORT
The original bill was innocuous – it simply required insurers to provide the expiring premium on the dec page along with the renewal premium
However, at the request of the governor, several anti-insurance industry amendments were added: This bill could have catastrophic consequences for insurers and suppress the entire P&C industry in Louisiana
The governor pushed the bill in order to blame Commissioner Temple for the high rates of insurance, but its unintended consequences could damage the market further
2. HB 519 (Glorioso)
Passed – Became Law
Prohibits the use of a cellphone while driving (except for hands-free)
The 2025 Legislative Session delivered some important wins for independent agents and their clients, particularly in the area of legal system reform. Measures like modified comparative fault mark real progress toward a fairer, more stable insurance environment. Likewise, targeted improvements in property insurance and regulatory oversight represent meaningful steps in the right direction. However, the session also highlighted just how much work remains. Major issues —like runaway litigation, market availability, and long-term affordability—will require continued focus and strong advocacy. IIABL remains committed to fighting for comprehensive, lasting reforms that support both the insurance industry and the consumers we serve. It’s an uphill battle, often fighting the trial bar, certain medical providers, and, in many cases, the governor, but the business community is united. We need to continue to push and achieve real change.
If you have any questions about the session, suggestions for future legislation, or want to discuss getting more involved in advocacy, please reach out to me directly. I also hope that you will attend the legislative wrap-up in the town nearest you. I hope to see you soon!
BRING YOUR BRAND TO LIFE BRAND THAT CONNECTS BuildingaPersonal
KATHLEEN O’REGAN IIABL DIRECTOR OF COMMUNICATIONS & EVENTS
This article highlights how shaping your personal brand with authenticity, consistency, and intentionality can build trust, visibility, and lasting impact in your insurance career.
I was inspired at the recent IIABL Women In Insurance Conference by Carey and Lindsay Wallace’s presentation about Building Your Personal Brand. Carey and Lindsay reminded us of a fundamental truth, “everyone already has a brand, the question is whether or not you are shaping it intentionally.” Their session was packed with takeaways for agents at every career stage. Whether you are an owner, producer, CSR, or internal team member, your personal brand can be your most powerful asset. Why? Because branding is not just about marketing, it is about trust, visibility, and connection.
Authenticity Is The Advantage
Carey and Lindsay emphasized that “reputation takes time” and “consistency matters.” They encouraged agents to embrace their strengths and show up as their authentic selves, whether through thought leadership, sharing personal stories, or engaging in community and industry conversations.
Take the First Step!
Creating a personal brand does not have to feel overwhelming. In their session at the Conference, Carey and Lindsay Wallace laid out a step-by-step approach that anyone can follow. I want to build on their framework with examples, ideas, and a few lessons I have learned working with agents across the state.
1.Identify Your Brand: What Do You Want to Be Known For?
This is your foundation. Think about what makes you, you. Are you the agent who always shows up to 5ks in your community? Do you love to bake with your kids? Are you passionate about small businesses or youth sports? These interests can help shape your story.
PERSONALBRAND
Examples:
A producer who runs marathons could post photos from weekend races and talk about the discipline and goalsetting involved then tie it back to how they help clients stay on track with insurance planning.
An agent who loves to bake might share a photo of holiday cookies they made for a client event, reminding their network that relationships and thoughtful touches are a big part of the job.
Authenticity resonates more than polish. People want to work with someone they connect with, not just someone who’s good at policy forms.
2. Define Your Ideal Client: Who Are you Trying to Reach?
Instead of trying to be everything to everyone, narrow your focus. Do you work mostly with local, small businesses, church communities, or fellow parents? Think of one client you love working with, how can you attract more like them?
Examples:
If you are active in your church, highlight moments of community involvement such as volunteering, events, or faithbased small business spotlights.
If you specialize in contractors, feature photos of job site visits (with permission) or tips specific to tradespeople.
HOW RELIABLE IS YOUR WORKERS’ COMPENSATION CARRIER?
Somecompaniescomplicateworkers’ compensationwithfancygimmicks andunclearincentives Stonetrust offersaccurate,up-frontpricing togetyoufrompointAtopointB withnodropsordelays.Experience exceptionalandpersonalizedservice withStonetrusteverytime.
PERSONALBRAND
This kind of intentional focus helps people understand exactly who you serve and potentially refers others to you.
3. Create an Action Plan: What Can You Do This Week?
Start small! Set a goal to post once a week. Add a calendar reminder or block out 15 minutes. It does not need to be a long video or complicated content, just show up!
Here are a few ideas:
Post a photo with a client (with permission) and share their story. Why did they start their business, what challenges have you helped them overcome?
Did you attend a lunch-and-learn or webinar? Share one insight that made you think differently about your work. Maybe you baked with your kids over the weekend or went on a run. What did that moment teach you about balance, discipline, or showing up?
These small stories help humanize your brand and build trust.
4. Generate Content: What Insights, Stories, or Questions Can you Share?
The best content often comes from the real questions people ask you. Someone recently emailed our office asking how to access ACORD forms, so I made a quick YouTube Short showing everyone the member benefit and where to find them. If one person asked, others probably wondered too.
Other ideas:
Break down a frequently asked question into a short, friendly post.
Share a quick “what I learned this week” takeaway.
Highlight a behind the scenes look at your day.
You do not need a fancy setup or marketing team, just your perspective and willingness to share.
5. Join the Conversation: Engagement Goes Both Ways
One of the most powerful points that Carey and Lindsay made during their presentation was this: you cannot expect people to engage with your content if you are not engaging with theirs. Social media is not a one-way broadcast, it is a conversation. Conversations are only meaningful when everyone participates.
So what does this look like?
Like a post when it resonates with you. It is a small gesture that makes a big impact. Comment thoughtfully by sharing how the post helped you, asking a follow-up question, or adding your own perspective.
Share posts from fellow agents, colleagues, or association, and give them credit. Tag them and say what you learned or appreciated.
Introducing
PERSONALBRAND
This is not just about being polite, it is about building relationships When you consistently show up and support others, you naturally expand your network, stay visible, and become part of a trusted circle of professionals And let’s be honest, it feels good to cheer on others
Ben Albright
December 2023
Social media should not feel like shouting into the void The more you lift other ups, the more likely they are to do the same for you, and that’s where the magic of personal branding comes alive!
6. BONUS: You Don’t Have to Be “Out There” to Build a Brand
At the conference, I sat with someone who said she didn’t interact with customers directly, she was behind the scenes handling paperwork and keeping things moving so she didn’t feel that this applied to her First let me say, what you do matters! Also, personal branding is not just about putting yourself out there on social media or being the loudest voice in the room
Your brand is also about how people within your agency perceive you, including your coworkers, managers, and peers across the industry Are you helpful, reliable, curious, a team player? Those are all part of your brand! You do not need to be on the stage or in the spotlight to have an impact Maybe your strength is solving problems behind the scenes or being the calm in the chaos That is your brand, and it is incredibly valuable
If you are on the quieter side or shy about posting publicly, start by building stronger internal relationships
Offer to help a coworker who is struggling with a task
Share a tip or shortcut you found that made your day easier
Ask a teammate about a win they had and cheer them on.
Building your brand starts with how you show up for others, even if no one else sees it but your team.
Remember: people trust people. Whether you are client facing or internal, loud or quiet, visible or behind the scenes, your brand is built every day in small, consistent ways you choose to connect with others.
crcgroup.com
STAY INFORMED, STAY AHEAD: THE 2025 LEGISLATIVE WRAP UP LUNCHEON TOUR
KARSON ROBERTS IIABL COMMUNICATIONS EVENTS ADMINISTRATOR
In this article, IIABL announces its 2025 Legislative Luncheon Series, offering agents key updates on new laws, regulatory changes, and advocacy efforts impacting Louisiana’s insurance industry.
As part of our ongoing commitment to keeping independent insurance agents informed and engaged, we are excited to announce the 2025 Legislative Luncheon Series. This special series offers members a unique opportunity to hear firsthand about the outcomes of this year’s Louisiana Legislative Session and what it means for our industry moving forward.
The 2025 session was one of the most active and consequential in recent years, with lawmakers tackling major issues affecting the insurance marketplace—from legal system reforms to property insurance stabilization and regulatory modernization. Through the Legislative Luncheon Series, we aim to break down these complex developments and offer clear insights on how the new laws will impact your business.
Each luncheon will feature a presentation from Ben Albright, IIABL President & CEO, who will provide a comprehensive overview of key bills, regulatory changes, and ongoing advocacy efforts. Attendees will also have the chance to ask questions and engage in valuable discussion with peers and policymakers.
Whether you’re concerned about liability reform, insurance market conditions, or compliance with new regulations, this luncheon series is designed to equip you with the information and resources you need to stay ahead.
We strongly encourage all members—agency owners, producers, and staff—to attend one of these luncheons. It’s an excellent way to stay informed, network with fellow industry professionals, and demonstrate the collective strength of Louisiana’s independent agents.
Schedule of Events:
IIAGNO Town Hall Meeting
August 28, 2025, 11:30 a.m. – 1:00 p.m.
Metairie Country Club (Details & Registration)
LEGISLATIVEWRAPUP
IIASB Luncheon
September 16, 2025, 11:30 a.m. – 1:00 p.m. The Shreveport Club (Details & Registration)
IIANE Luncheon
September 17, 2025, 11:30 a.m. – 1:00 p.m. Bayou DeSiard Country Club (Details & Registration)
Lafayette Luncheon
September 23, 2025, 11:30 a.m. – 1:00 p.m. Ruffino's On The River (Details & Registration)
Lake Charles Luncheon
September 24, 2025, 11:30 a.m. – 1:00 p.m. 121 Artisan Bistro (Details & Registration)
IIABR Luncheon
September 25, 2025, 11:30 a.m. – 1:00 p.m. Jubans Restaurant & Bar (Details & Registration)
Thank you for your continued support and involvement. Together, we’re shaping a stronger, more resilient insurance
Gulf
Homebuilders
UPCOMINGEVENTS
IIABL 2025-2026
BOARD OF DIRECTORS & OFFICERS
CHAIRMAN, ROSS HENRY
CHAIRMAN-ELECT, JOE KING MONTGOMERY
SECRETARY-TREASURER, CHRIS HAIK
NATIONAL DIRECTOR, JOHNNY BECKMANN, III
PAST CHAIRMAN, BRET HUGHES
YOUNG AGENT REP, MICHAEL MOBLEY
Henry Insurance Service, Inc. - Baton Rouge
Community Financial Insurance Center, LLC - Monroe
Higginbotham Insurance Agency - Lafayette
Assured Partners - Metairie
Hughes Insurance Services, Inc - Gonzales
Moore & Jenkins Insurance Agency, LLC - Franklinton
ANN BODKIN-SMITH
MATTHEW DEBLANC
CHRISTY DESOTO
DOMINIQUE DICARLO CROUCH
ROB W. EPPERS
KARA GARZOTTO
MATT GRAHAM
BEAU HEAROD
CHARLES H. LEBLANC
CRAIG MARTEL
LYDIA MCMORRIS
EUGENE MONTGOMERY, III
HARTWIG "ROBBY" MOSS, IV
SETH OSTENDORFF
ROBERT LOUIS PALMER, JR.
RANDY PERISE
ROBERT STONE
JEFF ZEAGLER
Thomson Smith & Leach Insurance Group - Lafayette
Continental Insurance Services - Marrero
1st Insurance of Marksville - Marksville
Riverlands Insurance Agency - LaPlace
Risk Services of Louisiana - Alexandria
DJW Insurance Agency - New Iberia
Lincoln Agency - Ruston
Jeff Davis Insurance - Jennings
Bourg Insurance Agency, Inc. - Donaldsonville
Insurance Unlimited of LA, LLC - Lake Charles
Alliant Insurance Services - Baton Rouge
Community Financial Insurance Center, LLC - Monroe
Hartwig Moss Insurance - New Orleans
Dethloff & Associates - Shreveport
Insurance Underwriters, Ltd. - Metairie
Blumberg and Associates - Ponchatoula
Stone Insurance, Inc. - Metairie
McClure, Bomar & Harris - Shreveport