How do I know my insurance company will be able to pay my claim?

The carriers we place you with are admitted and licensed in your state, which means they operate under state solvency rules. In Georgia, the Office of Commissioner of Insurance sets minimum capital and reserve requirements and monitors each insurer’s financial condition so it can pay what it owes.

Those rules have teeth. Georgia law sets risk-based capital standards (O.C.G.A. Title 33, Chapter 56) that require an insurer to hold capital matched to the risk it takes on. A company that falls below those levels faces escalating regulatory action, from a required corrective plan up to state control of the company. Every state applies the same framework, so the protection travels with you if you move.

You can also check any insurer yourself. Your state insurance department lists every licensed company and its standing, and in Georgia that lookup is free on the OCI website. If a company is writing policies in your state, it has already cleared and continues to meet those requirements.

As your independent advisor, we place your coverage with licensed, regulated carriers and stay with you if you ever need to file. You can browse the carriers available through us, and if you want a second set of eyes on your coverage and the companies behind it, request a free coverage review.