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Baton Rouge, LA Short-Term Rentals: Insurance Requirements (2026)

Some Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified April 2026

Key Facts

Min. liability coverage
$1,000,000
Annual permit fee
$100
Effective date
August 2023
Max daily fine
$500/day

Summary

Baton Rouge Ordinance 16370 (effective August 2023) requires all short-term rental operators to carry commercial general liability insurance of at least $1,000,000 and name the City-Parish as an additional insured before a permit is issued.

The property owner must register to remit sales, use and occupancy taxes or use an online platform that is registered to remit sales, use and occupancy taxes. Permit costs $100 and remains valid unless operations cease for one year or three violations occur within a calendar year.

Source: Baton Rouge Short-Term Rental Registration — brla.govView official code

Full Breakdown

Under Ordinance 16370, codified in the City-Parish Code of Ordinances (Title 8), every STR operator must obtain a $100 annual permit from the Permits and Inspections Division. Proof of a commercial general liability insurance policy with minimum limits of $1,000,000, naming the City-Parish as additional insured, must accompany each permit application. The ordinance defines STRs as rentals of fewer than 30 consecutive days. Permit numbers must appear in all listing advertisements. Lodging taxes of 15.9% must be collected and remitted.

Violations & Fines

Operating without a valid permit carries fines up to $500 per day. Three adjudicated violations within one year result in automatic permit revocation.

Frequently Asked Questions

Does a platform like Airbnb satisfy the insurance requirement?
No. Host Protection Insurance offered by platforms does not substitute for the required commercial general liability policy naming the City-Parish as additional insured.
What happens if I let my insurance lapse?
Your STR permit becomes invalid immediately. Operating without a valid permit can result in fines up to $500 per day and permit revocation.

Sources & Official References

Other rules in Baton Rouge

Accessory Structures: Shed & Carport RulesSome RestrictionsShort-Term Rental PermitsSome RestrictionsOccupancy LimitsSome RestrictionsShort-Term Rental Parking RulesSome RestrictionsFence Regulations: Fence Permit RequirementsSome RestrictionsRental Property Rules: Rental RegistrationHeavy RestrictionsRental Property Rules: Just Cause EvictionFew RestrictionsAccessory Structures: Garage ConversionsSome Restrictions

All Baton Rouge rules

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