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Georgia Hired and Non-Owned Auto Coverage

Georgia has a specific rule for a person renting from a U-drive-it owner: the renter must provide insurance, and required “spot” insurance must be purchased before the vehicle is handed over. For ordinary rental vehicles that are rented rather than leased, Georgia’s Department of Revenue says the rental agreement must be carried while driving. These rules address rental transactions and proof; they do not decide whether an employer’s policy responds to a work trip. 1,2

What Is Hired And Non-Owned Auto?

Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. Read the national Hired and non-owned auto guide.

Georgia Requirements

RequirementDetails
Rental proof in the vehicleFor a vehicle rented rather than leased, Georgia DOR identifies the rental agreement as proof to carry in the vehicle while driving. Keep the contract with the vehicle during a work rental. 2

What to Watch for in Georgia

  • Georgia has a rental handoff rule

    For a rental from a U-drive-it owner, O.C.G.A. § 40-9-102 says the renter must provide insurance and requires purchase of “spot” insurance before the owner hands over the vehicle. The rule concerns the rental transaction; it does not itself establish that an employer’s HNOA policy covers the employee or the rental car. 1

  • Carry the rental agreement

    Georgia DOR says the rental agreement for a vehicle rented, not leased, must be carried in the vehicle while it is being driven. A card or a policy declaration page is not a substitute for the specific rental proof DOR describes. 2

  • Statutory minimums do not answer the work-use question

    Georgia’s required liability limits concern injury and damage to others; state law does not require physical-damage coverage for an owner’s own vehicle. Ask the broker to confirm how the employer’s written policy treats employee drivers, rented vehicles, liability limits, and damage to the rental vehicle. 3

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. 4,5,6

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. 7

Providers With Documented State Licenses

These providers publish a national listing for Hired and non-owned auto; 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.

  • 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. 10

Questions to Ask Before You Buy in Georgia

  1. Is this trip in a vehicle rented from a U-drive-it owner, and who has arranged the insurance and any required spot insurance before handoff?
  2. What rental document must the employee carry, and who should be contacted if the agreement or insurance evidence is missing?
  3. Do the written employer policy terms address both liability to others and physical damage to a rented vehicle during this work trip?

Hired And Non-Owned Auto in Georgia: FAQ

Does Georgia require insurance before a U-drive-it rental is handed over? 1

Yes. O.C.G.A. § 40-9-102 requires the renter to provide insurance and says required “spot” insurance must be purchased before the U-drive-it owner turns over the vehicle. It is a rental handoff rule, not a promise about an employer’s policy. 1

What should an employee carry in a Georgia rental car? 2

Georgia DOR says the rental agreement for a vehicle rented, not leased, must be carried in the vehicle while it is driven. Follow the rental agreement and the employer’s instructions for any additional policy evidence. 2

Hired And Non-Owned Auto in Other States

Other Coverage in Georgia

Sources

  1. Georgia Code § 40-9-102: Insurance for Person Renting U-Drive-It Vehicle. 2025 Code of Georgia (public code text); § 40-9-102: renter insurance and purchase of required spot insurance before handoff; owner exemption consequence. Accessed 2026-09-28.
  2. Insurance Coverage. Georgia Department of Revenue; Other Proof of Vehicle Insurance Situations, Rental Cars: rental agreement for a vehicle rented, not leased, must be carried in the vehicle while driven. Accessed 2026-09-28.
  3. Auto Insurance. Georgia Office of the Commissioner of Insurance and Safety Fire; Liability Insurance: Georgia bodily-injury and property-damage minimum limits; distinction between liability and physical-damage insurance. Accessed 2026-09-28.
  4. 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.
  5. 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.
  6. Report Complaints & Fraud. Georgia Office of Commissioner of Insurance and Safety Fire; Consumer Services complaint instructions and official complaint portal. Accessed 2026-09-28.
  7. 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.
  8. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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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