§572. Catastrophe response plans
A. Every insurer, as defined in R.S. 22:46, and every health maintenance
organization operating in this state shall maintain a catastrophe response plan that describes
how the insurer will respond to a catastrophe affecting its business operations and
policyholders or subscribers. Additionally, every third-party administrator shall maintain a
catastrophe response plan that describes how it will respond to a catastrophe affecting its
business operations. However, insurers are not required to ensure compliance by third-party
administrators with this Section.
B. Catastrophe response plans required pursuant to this Section shall include all of
the following:
(1)Emergency contact information of key or essential personnel.
(2)Alternative office locations or wor
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§572. Catastrophe response plans
A. Every insurer, as defined in R.S. 22:46, and every health maintenance
organization operating in this state shall maintain a catastrophe response plan that describes
how the insurer will respond to a catastrophe affecting its business operations and
policyholders or subscribers. Additionally, every third-party administrator shall maintain a
catastrophe response plan that describes how it will respond to a catastrophe affecting its
business operations. However, insurers are not required to ensure compliance by third-party
administrators with this Section.
B. Catastrophe response plans required pursuant to this Section shall include all of
the following:
(1) Emergency contact information of key or essential personnel.
(2) Alternative office locations or work sites likely to be used in the event of a
catastrophe.
(3) Procedures to address the following:
(a) The backup, storage, retrieval, and security of records and data used to adjust
claims.
(b) The handling and processing of claims, whether prior to or subsequent to the
catastrophe.
(c) Relevant training of staff.
(d) Communication with agents, policyholders, and subscribers, in the event of mail
delivery or other communication system disruption. Such communication shall address, at
minimum, the process for filing a claim and the method whereby an agent, policyholder, or
subscriber can obtain information concerning a claim.
(e) The distribution of catastrophe claims information to policyholders or
subscribers.
(4) Considering the scale of the catastrophe and the number of policies issued in the
affected area, the methodology for determining the following:
(a) The approximate number of field adjusters, desk adjusters, and other
administrative personnel necessary to respond to the catastrophe.
(b) The process through which the insurer will provide claims and administrative
personnel to service policyholder and subscriber needs in a timely manner.
(c) The process through which the insurer will provide logistical support for claims
and administrative personnel in the area affected by the catastrophe.
C. Every insurer, health maintenance organization, and third-party administrator
shall file a catastrophe response plan that conforms to the provisions of this Section with the
commissioner no later than June 1, 2023, and shall file a revised plan when any changes are
made to the plan. The commissioner shall review each catastrophe response plan when filed
to ensure that it meets the requirements of this Section and any applicable rules and
regulations.
D. Catastrophe response plans required pursuant to this Section shall be deemed to
be confidential, proprietary information subject to the protections of the Uniform Trade
Secrets Act pursuant to Chapter 13-A of Title 51 of the Louisiana Revised Statutes of 1950,
shall not be subject to the public records disclosures of R.S. 44:1, and shall not be made
public by the commissioner.
E. The commissioner may promulgate rules in accordance with the Administrative
Procedure Act to implement and enforce the provisions of this Section.
F. If the commissioner finds that a violation of this Section has occurred, the
commissioner may take necessary and appropriate enforcement and regulatory action,
including action pursuant to R.S. 22:18.
NOTE: Former R.S. 22:572 redesignated as R.S. 22:312 by Acts 2008, No.
415, §1, eff. Jan. 1, 2009.