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Georgia Crime Insurance Guide

If your Georgia business issues checks, receives them for deposit, or lets staff or contractors process them, map those duties before comparing crime quotes. Georgia’s negotiable-instrument law treats retained independent contractors as employees for a specific check-loss rule, while modernized UCC provisions also address electronic check records; neither rule establishes what an insurance policy covers. Ask a broker to compare employee dishonesty, forgery or alteration, funds-transfer fraud, and social-engineering terms separately. 1,3,2

What Is Crime?

Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. Read the national Crime guide.

What to Watch for in Georgia

  • List who can handle each check step

    Georgia Code § 11-3-405 includes retained independent contractors in its employee definition and treats authority to endorse, process, prepare, or control an instrument as responsibility for purposes of allocating certain check losses. Include outsourced bookkeeping and payment operations in your workflow map; ask how the quoted policy defines covered employees and whether it addresses contractor theft. 1

  • Separate check images from wire instructions

    Georgia’s 2024 UCC modernization changes took effect July 1, 2024 and amended Article 3’s treatment of an electronic check image transmitted for collection. If your staff creates or transmits check images, ask the broker to identify the policy provisions for forged or altered checks; separately ask about a fraudulent wire induced by a spoofed invoice. These statutes do not establish insurance coverage. 2,4

  • Call the bank as soon as a transfer is discovered

    For suspected business-email compromise, the FBI says to contact your financial institution immediately and ask it to contact the receiving institution, then report to IC3. Save the message, payment instructions, approval trail, and transfer details for the bank and insurer; ask the broker what notice the policy requires. 4

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. 5,6,7

Surplus-lines tax and stamping office

Reported tax rate: 4% of total premium when Georgia is the home state 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. 8

Providers With Documented State Licenses

These providers publish a national listing for Crime; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Georgia. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CoalitionCoalition Insurance Solutions, Inc.Insurance producer, Surplus-lines broker · checked 2026-09-28Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. 10
  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 11
  • VouchVouch Specialty Insurance Services, LLCInsurance producer · checked 2026-09-28Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. 15

Questions to Ask Before You Buy in Georgia

  1. Does the quoted form treat an independent contractor, outsourced bookkeeper, or payment-platform operator as an employee for employee-dishonesty coverage?
  2. Which insuring agreements address forged checks, unauthorized check alterations, employee theft, and check-image fraud—and what limits, deductibles, and conditions apply?
  3. If an employee follows a spoofed vendor instruction and sends a wire, does the quote include social-engineering coverage, and what verification steps or sublimit apply?
  4. Who must receive notice after a suspected theft, and what records should we preserve?

Crime in Georgia: FAQ

Does Georgia law require a crime policy to cover a contractor’s theft? 1

No conclusion about policy coverage follows from Georgia Code § 11-3-405. That section includes retained independent contractors in its definition of employee for a rule allocating certain negotiable-instrument losses; ask how the policy defines covered employees and contractors. 1

What should we do first after a fraudulent business wire? 4

Contact your bank immediately and ask it to contact the receiving bank, then report the incident to the FBI’s IC3. Also follow the notice instructions in your insurance policy. 4

Crime in Other States

Other Coverage in Georgia

Sources

  1. Official Code of Georgia Annotated, Title 11, 2022 Edition. Georgia General Assembly, Office of Legislative Counsel; O.C.G.A. § 11-3-405; Title 11, Article 4A (funds transfers). Accessed 2026-09-28.
  2. House Bill 1240: Uniform Commercial Code Modernization Act of 2024. Governor of Georgia / Georgia General Assembly; § 5-17, amending O.C.G.A. § 11-3-105 (PDF p. 32); new O.C.G.A. § 11-12A-401 states the Act takes effect July 1, 2024 (PDF p. 17). Accessed 2026-09-28.
  3. Official Code of Georgia Annotated, Title 11, 2025 Supplement. Georgia General Assembly, Office of Legislative Counsel; Title 11 supplement through the 2025 regular session; § 11-3-105 history reflects 2024 amendment and July 1, 2024 effective date. Accessed 2026-09-28.
  4. Business Email Compromise. Federal Bureau of Investigation; How BEC scams work; Report BEC. Accessed 2026-09-28.
  5. 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.
  6. 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.
  7. Report Complaints & Fraud. Georgia Office of Commissioner of Insurance and Safety Fire; Consumer Services complaint instructions and official complaint portal. Accessed 2026-09-28.
  8. 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.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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.
  15. 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.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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