Georgia insurance, from coastal storms to Atlanta traffic

Know what Georgia requires, where your real risks are, and which carriers fit, before you buy. We are an independent agency that shops multiple markets for you and walks you through the tradeoffs in plain English.

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Licensed in Georgia -- verify (NPN 22116940) Regulated by the Office of Commissioner of Insurance and Safety Fire File a complaint Report fraud Independent -- we compare markets Free review, no obligation

What Georgia requires

Auto minimums

25/50/25 liability (O.C.G.A. Section 33-34-4(a)(1)(A)). UM/UIM coverage is included by default unless rejected in writing. See Georgia auto insurance.

Workers' comp threshold

Required once a business regularly has 3 or more employees (O.C.G.A. Section 34-9-2(a)(2)). See Georgia workers' comp.

Claim-handling deadlines

15 days to acknowledge, 15-60 days to accept or deny liability (Ga. Comp. R. and Regs. 120-2-52-.03). See the claims guide.

Bad-faith rule

Statutory: up to 50% of the loss or $5,000, whichever is greater, plus attorney's fees (O.C.G.A. Section 33-4-6(a)). See bad-faith claims.

Coastal wind market

No mandatory wind pool, but the Georgia Underwriting Association (O.C.G.A. Section 33-33-1) is a residual market of last resort for hard-to-place coastal wind.

These are the legal floor, not a recommended amount. A coverage review finds the right limits for you.

Why insurance matters in Georgia

Severe storms strike statewide (wind and hail, far more often than tornadoes). Coastal hurricane and surge exposure concentrates around Savannah, where wind is commonly excluded from a standard home policy and flood is always separate. River and flash flooding near the Chattahoochee and Savannah Rivers is a real, uncovered exposure.

Example: a Savannah home can need three separate policies -- home, wind, and flood -- just for full coverage.

Georgia insurance facts →

We serve all of Georgia. The guides below are for specific areas we cover often -- not a limit on where we work.

Local insurance across Georgia

Core City

Atlanta

Metro Atlanta (North)

Metro Areas

Local guides

Not seeing your city? We still cover it -- start a coverage review from anywhere in Georgia.

Coverage we write in Georgia

Home & Property

See all home & property (13 more)

Auto & Recreational

See all auto & recreational (1 more)

Collector Auto Insurance

Business & Commercial

See all business & commercial (10 more)

Browse all personal coverage · Browse all commercial coverage

OUR CARRIER PANEL

We shop multiple carrier markets for you in Georgia.

Independent, not captive -- we compare markets and bring back the options that fit your situation. Availability shown, never a rating or ranking.

AIG Auto-Owners Insurance Branch Chubb Cincinnati Insurance Encompass Insurance Foremost Insurance Hanover Insurance

All carriers · Personal · Commercial

What a standard policy does not cover

Flood

a standard homeowners or renters policy never covers flood, anywhere, regardless of whether the property sits inside a mapped high-risk zone -- flood is always a separate NFIP or private policy.

Wear and tear

gradual deterioration, mechanical breakdown, and deferred maintenance are not a covered "loss" -- a policy responds to sudden, accidental damage, not the ordinary aging of a roof, HVAC system, or plumbing.

Business use of a personal vehicle

a personal auto policy typically excludes rideshare driving, delivery work, and other business use -- that gap is what commercial auto or a rideshare endorsement is for.

Roof: actual cash value vs. replacement cost

many policies settle a roof claim at actual cash value (replacement cost minus depreciation for the roof's age), not full replacement cost, unless the policy specifically includes a roof replacement-cost endorsement.

Business insurance by industry in Georgia

Contractors general liability plus tools and equipment coverage Restaurants property, liability, and liquor-liability exposure in one place Retail inventory, storefront, and customer-injury exposure Professional services for firms giving advice, design, or expertise Real estate & property services for brokerages, property managers, and landlords Transportation & logistics for businesses running their own vehicles or delivery fleet Healthcare & professional practices for clinics, practices, and healthcare-adjacent services

If something goes wrong

A claim, a denial, a cancellation, a lapse -- your rights and the timelines.

Acknowledgment timeline Decision timeline Bad faith Your rights File a complaint Commercial guide Insurance Policy Cancellation: Your Rights and Notice Periods (Georgia) Non-Renewal vs Cancellation: What Is the Difference in Georgia? Auto Coverage Lapse in Georgia: Penalties and How to Fix It Reinstating a Suspended Registration or License in Georgia After a Lapse SR-22 in Georgia: When You Need It, How Long, and What It Costs Insurance Grace Periods: What Happens If You Miss a Payment

Your state insurance regulator

Georgia insurance is regulated by the Office of Commissioner of Insurance and Safety Fire. If an insurer or agent will not resolve a problem, or you want to confirm a license before you buy, go straight to the regulator:

Take action

File a complaint

Report fraud

Verify a license

Verify an agent or company

Confirm any agent or company is licensed in Georgia. To check us: search NPN 22116940 (Olive Insurance Services, LLC).

Contact

(404) 656-2070 / (800) 656-2298

2 Martin Luther King Jr. Dr., West Tower, Suite 702, Atlanta, GA 30334

Mon-Fri 8am-5pm ET

Georgia Dept. of Insurance

If your insurer fails

What the guaranty association covers

Related Insurance Terms

Coastal Wind Pool Named Storm Deductible Guaranty Association Surplus Lines Insurance Non-Admitted Carrier (Surplus Lines)

Browse the full glossary →

Georgia FAQs

What are the minimum auto insurance requirements in Georgia?

Georgia law requires minimum liability coverage of 25/50/25 under O.C.G.A. 33-34-4: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage.

When is workers compensation required in Georgia?

Yes, with a specific threshold. Georgia requires employers to carry workers compensation insurance if they have three or more employees including part-time workers, under O.C.G.A.

Do I need flood insurance in Georgia?

Flood is excluded from standard policies and needs its own coverage. Required in FEMA high-risk zones and worth considering elsewhere too.

Browse all FAQs →

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