Opinion ID: 10021
Heading Depth: 4
Heading Rank: 2

Heading: The Legislature's Response

Text: Within months following the issuance of the Louisiana Supreme Court's answer to the question certified in Deshotels, the Louisiana Legislature responded by amending the IGAL. Prior to the enactment of the amendments, the IGAL provided that LIGA would reinsure all kinds of direct insurance, except life, health, mortgage guaranty, and ocean marine insurance.9 The amendments added the following language to the statute: The kind and coverage of insurance afforded by any policy shall be determined by the coverage specified and established in the provisions of that policy regardless of any name, label, or marketing designation for that policy.10 The amendments also inserted the following definition of ocean marine insurance: “Ocean marine insurance” includes marine insurance as defined in R.S. 22:6(13), except for inland marine, as well as any other form of insurance, regardless of the affect our analysis of the merits of the instant appeal. See discussion infra part II.B. 8 Deshotels v. SHRM Catering Serv., Inc., 538 So.2d 988, 993 (La. 1989) [hereinafter Deshotels]. 9 See LA. REV. STAT. ANN. § 22:1377 (West 1989). 10 See LA. REV. STAT. ANN. § 22:1377 (West 1990). 6 name, label or marketing designation of the insurance policy, which insures against maritime perils or risks and other related perils or risks . . . . Such perils and risks include . . . liability of the insured for personal injury, illness or death . . . .11