--- title: "Product liability in Georgia" description: "Georgia product-liability guide for manufacturers, sellers and businesses that use products in the state." canonical: "https://spot.insure/coverage/product-liability/georgia" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/product-liability/georgia) # Product liability in Georgia Georgia imposes strict liability on manufacturers for injury caused by a product’s condition when sold. A ten-year repose period runs from the first sale for use or consumption; for repeated purchases of consumable products, the Georgia Supreme Court applies that period product by product. Preserve each unit’s sale and use records, and ask counsel which claims and products are in scope.[^1][^2] **Coverage:** [Product liability](/coverage/product-liability) · [Georgia](/coverage/states/georgia) ## What Is Product Liability? Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property. If your business handles products, describe every role in the supply chain and ask how the quote treats product damage and recall costs. [Read the national Product liability guide](/coverage/product-liability). ## What to Watch for in Georgia ### Track each product unit The Georgia Supreme Court held that the ten-year strict-liability period runs separately for each unit sold to an end user. For products bought repeatedly, keep purchase, lot, date and distribution records rather than relying on the first date the customer ever bought the brand.[^1][^2] ### The statute concerns the product’s condition when sold Georgia’s Supreme Court describes the strict-liability rule as applying to manufacturers when a product causes injury because of its condition when sold. The case involved repeated sales of consumable products, so do not assume its unit-by-unit holding answers every product type or every theory of liability.[^1] ### The opinion addressed strict-liability claims Burroughs interpreted the statutory ten-year rule for strict products-liability claims involving repeated sales of consumable products. The opinion’s per-unit holding should not be assumed to resolve a different claim theory or a different product pattern without legal review.[^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] - [Regulator website](https://oci.georgia.gov/) - [License lookup](https://oci.georgia.gov/agents-agency-licensing) - [File a complaint](https://oci.georgia.gov/insurance-resources/complaints-fraud) - Phone: (800) 656-2298 ### 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 Product liability; 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 that the product is available in Georgia; [check the regulator’s license lookup](https://oci.georgia.gov/agents-agency-licensing) and confirm state availability for your business when requesting a quote. - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Vouch’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. Which products do we manufacture, private-label, import, distribute, repair or sell in Georgia, and who keeps unit, lot and delivery records? 2. For each product, can we identify the date it was first sold for use or consumption and connect later claims to a particular unit? 3. Do our contracts allocate product-safety, recall, defense and indemnity responsibilities across manufacturers, importers, distributors and retailers? ## Product Liability in Georgia: FAQ ### Is there a ten-year product-liability cutoff in Georgia? For strict-liability claims under O.C.G.A. § 51-1-11(b), the statute measures ten years from the first sale for use or consumption. The Georgia Supreme Court says that in repeated sales of consumable products, the period is applied separately to each unit.[^1] ### Does the per-unit rule answer every Georgia product claim? No. The Georgia Supreme Court’s 2025 opinion applied the ten-year statute to strict-liability claims involving repeated sales of consumable units. Its holding should not be generalized to different theories or product patterns without claim-specific review.[^1][^2] ## Product Liability in Other States - [Alabama](/coverage/product-liability/alabama) - [Alaska](/coverage/product-liability/alaska) - [Arizona](/coverage/product-liability/arizona) - [California](/coverage/product-liability/california) - [Colorado](/coverage/product-liability/colorado) - [Connecticut](/coverage/product-liability/connecticut) - [Delaware](/coverage/product-liability/delaware) - [District of Columbia](/coverage/product-liability/district-of-columbia) - [Florida](/coverage/product-liability/florida) - [Hawaii](/coverage/product-liability/hawaii) - [Idaho](/coverage/product-liability/idaho) - [Illinois](/coverage/product-liability/illinois) - [Indiana](/coverage/product-liability/indiana) - [Iowa](/coverage/product-liability/iowa) - [Kansas](/coverage/product-liability/kansas) - [Kentucky](/coverage/product-liability/kentucky) - [Louisiana](/coverage/product-liability/louisiana) - [Maine](/coverage/product-liability/maine) - [Maryland](/coverage/product-liability/maryland) - [Massachusetts](/coverage/product-liability/massachusetts) - [Michigan](/coverage/product-liability/michigan) - [Minnesota](/coverage/product-liability/minnesota) - [Missouri](/coverage/product-liability/missouri) - [Nebraska](/coverage/product-liability/nebraska) - [Nevada](/coverage/product-liability/nevada) - [New Hampshire](/coverage/product-liability/new-hampshire) - [New York](/coverage/product-liability/new-york) - [North Carolina](/coverage/product-liability/north-carolina) - [Ohio](/coverage/product-liability/ohio) [Other Coverage in Georgia](/coverage/states/georgia) ## Sources [^1]: [Burroughs v. Strength of Nature Global, LLC, S24G1387](https://www.gasupreme.us/wp-content/uploads/2025/10/s24g1387.pdf) — Supreme Court of Georgia; Final Copy, pp. 1–2 and opinion discussion of O.C.G.A. § 51-1-11(b)(2); decided October 15, 2025. Accessed 2026-09-28. [^2]: [2025 Opinions and Summaries](https://www.gasupreme.us/2025-opinions/) — Supreme Court of Georgia; October 15, 2025 listing for S24G1387 and designation of the posted Final Copy; links to the official opinion. Accessed 2026-09-28. [^3]: [Office of Commissioner of Insurance and Safety Fire](https://oci.georgia.gov/) — 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](https://oci.georgia.gov/agents-agency-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](https://oci.georgia.gov/insurance-resources/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](https://oci.georgia.gov/regulatory-filings/premium-tax/non-admitted-insurance/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](https://www.at-bay.com/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](https://www.coalitioninc.com/legal/licenses) — 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](https://www.corgi.insure/broker-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](https://www.hiscox.com/about-hiscox-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](https://www.nextinsurance.com/insurance-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](https://www.techinsurance.com/legal/licenses) — 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](https://www.vouch.us/legal/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 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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