Builders Risk in Georgia

Georgia publishes FEMA flood maps statewide, while local governments administer floodplain ordinances. EPD's coastal model ordinance shows why your site plan, materials storage and construction-stage certifications may matter to project timing, but the adopted local rules control.

What Is Builders Risk Insurance?

Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. Read the national Builders risk guide.

What Should You Watch for With Builders Risk Insurance in Georgia?

Check the adopted local floodplain rule
Georgia's flood map program covers all 159 counties, but communities administer development through local floodplain ordinances. Confirm the effective map and the ordinance for the actual parcel with the local floodplain official; a statewide map viewer is not a permit determination. ¹
Put storage and equipment on the site plan
Georgia EPD's coastal model ordinance calls for a development permit and a site plan showing storage of materials and equipment, drainage, and the lowest floor. It is a model with local adoption choices, so ask the community which provisions it adopted and whether temporary staging is included. ²
Build elevation sign-offs into the schedule
The coastal model also describes construction-stage elevation certifications and stopping work until required certifications are submitted. Confirm the local ordinance's actual milestones early, since a missed inspection or sign-off can delay work and leave materials exposed longer. ²

Which Builders Risk Insurance Providers Have Georgia License Records?

No provider in our research has both a state license record and a listing for this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Who Regulates Insurance in Georgia?

Georgia Office of Commissioner of Insurance and Safety Fire

Georgia’s elected Insurance and Safety Fire Commissioner licenses and regulates insurance companies and insurance professionals, investigates insurance fraud, and oversees consumer complaint services. The Office’s state license lookup covers agents, agencies, and companies. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (800) 656-2298

Surplus-Lines Tax and Stamping Office in Georgia

Reported tax rate. 4% of total premium when Georgia is the home state ⁶

Georgia charges 4% on the total premium written and received by a surplus-lines broker when Georgia is the insured’s home state. Current fee treatment is not described here because the Department’s latest fee bulletin could not be retrieved as readable text; ask your broker for the policy-declaration and tax breakdown. This record does not state a Georgia-specific guaranty-fund conclusion.

What Should You Ask Before Buying Builders Risk Insurance in Georgia?

For this parcel, what effective FEMA map, local floodway designation and locally adopted ordinance provisions apply to the building footprint and temporary material-storage areas?
Does the project schedule include every required elevation certificate, inspection and floodplain permit before the work reaches the relevant stage?
How does the builders-risk quote address flood, surface water, stored materials and project delay, and what exclusions or sublimits apply to this site?

Builders Risk Insurance in Georgia: Frequently Asked Questions

Does Georgia’s coastal model ordinance apply automatically statewide?

No. EPD labels it a model ordinance; the local community's adopted ordinance and permit decision determine the requirements for a particular site. ²

Does Georgia’s statewide flood mapping replace local review?

No. EPD says communities administer floodplain ordinances, so confirm the effective map and local requirements for the parcel. ¹

Sources for Builders Risk Insurance in Georgia

1
Floodplain Management. Georgia Environmental Protection Division; Floodplain management overview: statewide flood mapping and community-administered local ordinances; lines 233–244. Accessed 2026-09-28.
2
Flood Damage Prevention Ordinance — Coastal Community. Georgia Environmental Protection Division; Model ordinance, revised July 2013: §§2C–3B, pp. 2–4; model permit, site plan, materials/equipment storage and construction-stage certifications. Model text, not itself a locally adopted ordinance. Accessed 2026-09-28.
3
Office of Commissioner of Insurance and Safety Fire. Georgia Office of Commissioner of Insurance and Safety Fire; Official homepage; regulator role, elected commissioner, complaint and license lookup links. Accessed 2026-09-28.
4
Agents, Agencies and Licensing. Georgia Office of Commissioner of Insurance and Safety Fire; Official state license lookup for agents, agencies, and companies. Accessed 2026-09-28.
5
Report Complaints & Fraud. Georgia Office of Commissioner of Insurance and Safety Fire; Consumer Services complaint instructions and official complaint portal. Accessed 2026-09-28.
6
Non-Admitted Insurance: Premium Tax FAQs. Georgia Office of Commissioner of Insurance and Safety Fire; 4% applies to total broker-written and received premium when GA is home state. Accessed 2026-09-28.
7
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
8
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
9
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
10
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
11
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
12
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
13
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Builders Risk in Georgia

What Is Builders Risk Insurance?

What Should You Watch for With Builders Risk Insurance in Georgia?

Check the adopted local floodplain rule

Put storage and equipment on the site plan

Build elevation sign-offs into the schedule