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Last-mile delivery insurance in Georgia

House Bill 529 revises O.C.G.A. § 33-1-24 with two automobile schedules: (a)(5)(A) is $50,000 for one person and $100,000 for all persons, plus $50,000 for property of others excluding cargo, and (a)(5)(B) is $1 million for death, personal injury, and property damage, plus at least $1 million uninsured and underinsured motorist coverage. The enrolled act points those schedules at cross-referenced periods and does not say which one is logged-on versus on a trip. Driver Services Rule 375-5-5 defines a ride-share network service as connecting passengers, so do not treat either schedule as a parcel-cargo filing. 1,2

What Is Last-Mile Delivery?

Last-mile delivery insurance is not one standard policy: vehicle liability, vehicle damage and cargo protection can be separate. If your staff deliver orders in company, rented or personal vehicles, check each vehicle, cargo and worker-injury exposure in the quote. Read the national Last-mile delivery guide.

Georgia Requirements

RequirementDetails
TNC schedule (a)(5)(A)$50,000 / $100,000 bodily injury; $50,000 property, excluding cargo 1
TNC schedule (a)(5)(B)$1 million liability plus $1 million uninsured/underinsured motorist 1

What to Watch for in Georgia

  • The Act Does Not Label the Periods

    The enrolled bill assigns the two schedules to subparagraphs (a)(5)(A) and (a)(5)(B) without reprinting which subparagraph is the logged-on period and which is the trip. Ask the broker to open the current cross-reference before you assume the $1 million schedule starts at acceptance. Do not guess the mapping from another state's statute. 1

  • The Property Figure Excludes Cargo

    Schedule (a)(5)(A) states the $50,000 property amount as loss of or damage to property of others, excluding cargo. A grocery or parcel load is not inside that property figure. Buy cargo coverage separately if the shipper requires it. 1

  • Ride-Share Rules Connect Passengers

    Rule 375-5-5 defines a ride-share network service as connecting passengers for prearranged transportation for hire or donation. A food or package route is not that definition. Do not buy the passenger schedules as if they were a delivery-network mandate. 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. 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

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 current subparagraph is the logged-on period, and which is the trip, in the cross-reference House Bill 529 uses?
  2. Does the quote treat the $50,000 property amount as excluding cargo, the way (a)(5)(A) is written?
  3. Is this operation connecting passengers under Rule 375-5-5, or delivering goods the ride-share rule does not describe?

Last-Mile Delivery in Georgia: FAQ

Does Georgia's 2023 TNC act say which liability schedule applies before a trip is accepted? 1

No. House Bill 529 sets (a)(5)(A) and (a)(5)(B) and points them at cross-referenced periods without labeling logged-on versus on a trip. 1

Does the $50,000 property amount in Georgia schedule (a)(5)(A) cover the packages in the vehicle? 1

No. That property amount is for property of others, excluding cargo. 1

Last-Mile Delivery in Other States

Other Coverage in Georgia

Sources

  1. House Bill 529 (AS PASSED HOUSE AND SENATE), Act amending O.C.G.A. § 33-1-24. Office of the Governor of Georgia; Section 1, O.C.G.A. § 33-1-24(b); Section 2 effective July 1, 2023. Accessed 2026-09-29.
  2. Subject 375-5-5 For-Hire Endorsements. Georgia Secretary of State, Rules and Regulations; Rule 375-5-5 definitions of For hire and Ride Share Network Service. Accessed 2026-09-29.
  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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