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Digital-asset insurance questions for Georgia kiosk businesses

If your business owns, operates, manages or contracts for a digital-asset kiosk in Georgia, map each kiosk, operator and transaction before seeking coverage. Georgia’s 2026 statute and existing kiosk rule impose customer-facing and monitoring duties on defined kiosk activity; neither requires digital-asset insurance. 1,2

What Is Digital Assets?

Digital-asset coverage may address custody, theft and business-liability risks, but a custodian’s policy may protect the custodian rather than you. If you hold or safeguard assets, verify the insured entity, wallets, key-loss protection and valuation. Read the national Digital assets guide.

Georgia Requirements

RequirementDetails
Map the kiosk chainRecord each physical location, displayed brand, contracting operator, owner and customer transaction flow. The statute reaches kiosk activity that facilitates fiat-to-virtual-currency or virtual-currency exchanges or transfers; the rule requires operator reporting for kiosk locations. 1,2
Separate contractual refunds from insured lossFor covered kiosk exchanges or transfers, review the statute’s fee cap and customer refund procedures with counsel and the operator. Those customer remedies do not themselves establish insurance coverage. 1

What to Watch for in Georgia

  • Kiosk rules have a defined scope

    Do not apply Georgia’s kiosk-specific duties to an unrelated hosted wallet or custody service without a separate legal analysis. 1,2

  • Monitoring duties create a vendor dependency

    The kiosk rule calls for a contractual relationship with a blockchain analytics vendor and for tested, updated monitoring procedures. Identify the vendor, operator and wallet-screening responsibility when describing your exposure. 2

  • A statutory duty is not a coverage grant

    Georgia’s kiosk law and rule describe operating duties; they do not establish that a digital-asset policy is required or that refunds, fraud, theft or key loss are insured. 1,2

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

No provider in Spot’s research documents both a state license record and 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.

Questions to Ask Before You Buy in Georgia

  1. Which legal entity owns each kiosk, contracts with customers and controls or directs any wallet keys?
  2. Does a proposed policy name those entities and identify the kiosk wallets, customer assets and transaction duties at issue?
  3. Ask the broker to distinguish theft, employee dishonesty, lost keys, customer refund obligations and losses caused by a third-party analytics or kiosk operator; do not assume one peril includes another.
  4. What does the policy say about valuation, per-transaction limits and the custodian or service providers whose keys are involved?

Digital Assets in Georgia: FAQ

Does Georgia require insurance for every digital-asset business? 1,2

The cited Georgia provisions concern digital-asset kiosk operators and related kiosk activity. They do not establish a general insurance mandate for every digital-asset business. 1,2

Does a kiosk refund duty mean a policy will reimburse the operator? 1,3,4

No. The statute sets customer-facing duties for covered kiosk activity. Whether an insurance contract responds to a refund, fraud or asset loss depends on its insureds, covered property, causes of loss and exclusions. 1,3,4

Digital Assets in Other States

Other Coverage in Georgia

Sources

  1. House Bill 945, enrolled and signed. Georgia General Assembly / Governor; 2026 Act; Part 2, O.C.G.A. §§7-1-699–699.11; effective July 1, 2026; digital-asset kiosk operator duties and scope. Accessed 2026-09-28.
  2. Rule 80-3-1-.07, Virtual Currency Kiosk Operators. Georgia Secretary of State, Rules and Regulations; Current rule text: quarterly location reporting, fee/refund and analytics/monitoring duties for virtual-currency kiosk operators. Accessed 2026-09-28.
  3. Insurance. BitGo; Current page: custody and key-control description; direct-insured entity and location/entity eligibility qualifiers. Accessed 2026-09-28.
  4. Performance Management — Supplemental Requirements & Guidance. Lloyd’s; January 2020, pp.44–46: historic underwriting considerations for key security, hot/cold storage, code/network risk, insured identity and valuation; historical market guidance only. 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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