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Georgia Medical Malpractice Insurance Guide

Georgia separates an insurer’s reporting duty from a licensee’s Board notice. An insurer must report a paid judgment or settlement agreement within 30 days for a covered malpractice claim against a Georgia-authorized physician, except the defined low payment under a high/low agreement. The Board currently instructs its licensees to report within 10 days, but the signed statute does not state that deadline for licensee notices. Confirm the Board’s instruction and keep separate records of both submissions. 2,1

What Is Medical Malpractice?

Medical malpractice insurance can pay defense costs and covered damages when a patient claims a clinician’s care caused harm. If you provide health care, match the quote to your practice, clinicians, specialties and procedures, then check who is insured. Read the national Medical malpractice guide.

What to Watch for in Georgia

  • Insurer and physician notices are separate

    For insurer reporting, O.C.G.A. §33-3-27 requires notice within 30 days after a judgment is paid or a settlement agreement is entered, regardless of dollar amount, except a defined low payment under a high/low agreement. The Board’s current page separately instructs its licensees to report within 10 days and attributes that timing to §33-3-27. Signed HB 128 puts the licensee notice duty in §43-34-8(j) but states no deadline. The basis for the Board’s ten-day instruction remains unresolved; verify it with the Board or counsel and keep a receipt. One submission does not establish the other was made. 2,1

  • High/low agreements have a narrow exception

    The insurer-report exception is only for a high/low settlement’s minimum payment when the court rules for the defendant. The statute defines the agreement and excludes that low payment from insurer reporting; do not assume every negotiated or defense verdict is excluded. If a resolution uses this structure, ask counsel and the carrier to document how they classify it. 2

  • The insurer statute is physician-specific

    The reporting statute addresses claims against people authorized to practice medicine in Georgia and people acting under their supervision and control. The Board form page links a form for Georgia-licensed physicians but its general text says all licensees report. Do not treat this as proof that every health professional has the same insurance mandate or coverage; verify the regulator reporting rule for other license classes separately. 2,1

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 Medical malpractice; 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. 9
  • 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. Does the policy insure each treating physician and the practice entity, for the correct specialty and locations?
  2. What is the basis for the Board’s published 10-day notice instruction, who will submit each required notice, and what receipts will you retain?
  3. How does the insurer classify and report a high/low agreement or a defense-favorable low payment?
  4. For a claims-made quote, what retroactive date and tail or prior-acts protection will continue at renewal or a carrier change?

Medical Malpractice in Georgia: FAQ

When must the insurer report a resolution? 2

Within 30 days after paying a judgment or after the parties enter a settlement agreement, for covered Georgia physician claims, regardless of amount, with the defined high/low low-payment exception. 2

Does this reporting law require malpractice insurance? 2

No insurance mandate is established by these cited reporting provisions. They govern reports when specified insured claims are resolved; confirm any separate occupational, facility, employer or contract requirement that applies to you. 2

Medical Malpractice in Other States

Other Coverage in Georgia

Sources

  1. Malpractice Reporting Form. Georgia Composite Medical Board; Current reporting instructions, ten-day notice, physician form. Accessed 2026-09-28.
  2. House Bill 128, 2019 session law. Office of the Governor of Georgia; Sections 1–2, O.C.G.A. §§33-3-27 and 43-34-8; insurer and licensee reporting; high/low exception. 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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