What Inland Marine Insurance Requirements Apply in Georgia?

Georgia’s insurance commissioner describes inland marine as covering property in transit and property held by bailees, and names sales samples and contractors’ equipment among possible subjects. Separately, a Georgia DOAS standard lease leaves loss of leased equipment, including transit loss, with the contractor until the state accepts it. That lease term applies to that agreement, not every Georgia sale or job. Inventory your own tools separately from equipment you are delivering under a state lease, then match each item's owner, route, acceptance point and policy form.

What Is Inland Marine Insurance?

If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. Read the national Tools, equipment and inland marine guide.

What Should You Watch for With Inland Marine Insurance in Georgia?

Separate tools from equipment you are supplying
The commissioner lists contractors’ equipment as a possible inland-marine subject. DOAS’s standard lease places loss of leased equipment, including transit loss, on the contractor until state acceptance. If your company both uses and sells or leases equipment, quote those interests and handoffs separately. ^1,³
Put the state acceptance point on the route map
Under the cited DOAS lease, the contractor keeps the risk of loss while equipment is being shipped and until acceptance under that agreement. Confirm who insures the item before pickup, in transit, during unloading and while acceptance is pending; get any change in responsibility into the signed contract. ³
Check the solicitation and its attachments
Georgia DOAS says the insurance a supplier needs depends on contract exposures; its guide identifies builders risk as construction-property coverage. A procurement clause is specific to its solicitation and contract. Compare the requested evidence with the policy wording and ask what covers your own mobile tools, which the state’s equipment lease clause does not address. ^2,³

Which Inland Marine Insurance Providers Have Georgia License Records?

These providers publish a national listing for Tools, equipment and inland marine; the license records below name the licensed entities and roles. 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.

TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’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. ¹³
TechInsurance arranges inland marine coverage for contractors’ tools and equipment.

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

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 ⁷

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 Inland Marine Insurance in Georgia?

Which items are our operating tools, which are property we hold for someone else, and which are being supplied to a state entity?
For each delivery contract, when does title or contractual risk transfer, and which policy insures the item before written acceptance?
Do the actual inland-marine terms cover the tools at work sites, overnight storage and each transit leg, including loaded trailers?
If a project requests builders risk or an installation floater, which project property and work phase does that form insure?

Inland Marine Insurance in Georgia: Frequently Asked Questions

Does Georgia’s standard state equipment lease clause govern every equipment shipment?

No. The clause belongs to the cited DOAS standard lease agreement. Check the signed agreement, solicitation and amendments for your transaction, then have the insurer confirm how its property and transit terms fit that handoff. ³

Does Georgia’s business guide guarantee inland-marine coverage for my contractor equipment?

No. It names contractor equipment as an example of property that may be covered. The quote and issued policy determine the insured property, locations, transit period, causes of loss, exclusions and limits. ¹

Sources for Inland Marine Insurance in Georgia

1
The Georgia Business Guide to Insurance. Georgia Office of the Commissioner of Insurance and Safety Fire; PDF p. 12, 'Inland Marine insurance'; general commissioner guide, version 01/10/2019. Accessed 2026-09-28.
2
Insurance and Bonding Guidelines. Georgia Department of Administrative Services, State Purchasing Division; 2025 guideline, PDF pp. 7–8, Questions 3–6; insurance depends on contract exposures and property insurance/builders-risk categories. Accessed 2026-09-28.
3
Standard Lease Agreement: Statewide Contract Information Sheet. Georgia Department of Administrative Services; Section 14, pp. 7–8, Title and Risk of Loss; applies to leased equipment in this standard agreement until State acceptance. 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.

What Inland Marine Insurance Requirements Apply in Georgia?

What Is Inland Marine Insurance?

What Should You Watch for With Inland Marine Insurance in Georgia?

Separate tools from equipment you are supplying

Put the state acceptance point on the route map

Check the solicitation and its attachments