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Directors and Officers (D&O) Insurance in Georgia

For Georgia business corporations, HB 1185 permits optional director and officer exculpation in governing documents and provides a business-court venue election for covered internal entity claims. Other Title 14 entities have their own venue provisions; identify each insured entity’s legal form and incorporation jurisdiction before applying a corporate rule. 1,2

What Is Directors And Officers?

D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. Read the national Directors and officers guide.

What to Watch for in Georgia

  • Check the Governing Documents for Venue

    HB 1185 lets articles or bylaws require internal entity claims to be brought solely in the Georgia State-wide Business Court, consistent with law. Confirm the clause and the policy’s consent-to-settle and defense-counsel terms for that forum. 1

  • Georgia Added Officer Exculpation

    For a Georgia business corporation, § 14-2-202 permits governing-document provisions limiting director or officer monetary damages, subject to exceptions for corporate-opportunity appropriation, intentional misconduct or knowing legal violations, unlawful distributions, and improper personal benefit. Verify adoption and effective date in the actual articles. 2

  • The New Court Rules Turn on Claim Start Date

    HB 1185 applies to claims or proceedings initiated on or after July 1, 2026. Keep the claim date and governing-document version with the submission so the broker can assess applicable venue and defense arrangements. 1

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

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. 6

Providers With Documented State Licenses

These providers publish a national listing for Directors and officers; 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. 8
  • 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. 9
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 12
  • 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. 13

Questions to Ask Before You Buy in Georgia

  1. Do our articles or bylaws require internal entity claims to go to Georgia’s State-wide Business Court?
  2. Does the policy let us use the counsel and litigation strategy needed in that forum?
  3. Do our articles adopt the July 2026 director and officer exculpation option, and what claim categories remain exposed?

Directors And Officers in Georgia: FAQ

Can Georgia corporations require internal claims to go to the State-wide Business Court? 1

Yes. Since July 1, 2026, articles or bylaws may require covered internal entity claims to be brought solely in that court, consistent with law; HB 1185 applies to claims initiated on or after that date. 1

Can a Georgia corporation limit officer liability in its charter? 1

Yes. The July 2026 amendment to § 14-2-202 permits optional monetary-damages limits for directors and officers, but preserves listed categories such as improper benefits and intentional misconduct. The limitation must appear in the corporation’s governing documents. 1

Directors And Officers in Other States

Other Coverage in Georgia

Sources

  1. House Bill 1185, Act 460. Governor of Georgia / Georgia General Assembly; §§ 2–3 and 21; O.C.G.A. §§ 14-2-202(b)(4), 14-2-206(c), effective July 1, 2026. Accessed 2026-09-28.
  2. 2026 General Statutes Summary, Title 14. Georgia General Assembly; Act 460; HB 1185, applicability to claims initiated on/after July 1, 2026. 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.

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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