--- title: "Georgia Umbrella and Excess Liability Guide" description: "Compare Georgia contractor licensing floors with the much higher limits some state contracts set for demolition, implosion, medical services, and other work." canonical: "https://spot.insure/coverage/umbrella-excess/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/umbrella-excess/georgia) # Georgia Umbrella and Excess Liability Guide Georgia does not set one umbrella limit for every business. The Georgia Department of Administrative Services’ August 2025 contracting guide calls for $50 million per occurrence and aggregate in its demolition specification, plus a separate $20 million layer for an implosion subcontractor; other supplier classes have different limits. Treat those as contract specifications, then check what your own contract requires and whether your layer follows the needed liability policies.[^1][^2] **Coverage:** [Umbrella and excess liability](/coverage/umbrella-excess) · [Georgia](/coverage/states/georgia) ## What Is Umbrella And Excess Liability? Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [Read the national Umbrella and excess liability guide](/coverage/umbrella-excess). ## Georgia Requirements | Requirement | Details | | --- | --- | | Georgia state demolition supplier specification | DOAS’s August 2025 guideline lists $50 million each occurrence and aggregate for excess/umbrella; an implosion subcontractor must also carry its own $20 million per occurrence/aggregate. This is a state contract specification for demolition, not a statewide business mandate.[^1] | | Georgia general-contractor license insurance | The Secretary of State lists general-liability floors of $300,000 per occurrence for Residential Basic and $500,000 for Residential Light Commercial and both commercial categories. Workers’ compensation is a separate requirement when the business regularly employs three or more people; do not treat either rule as an umbrella limit.[^2][^3] | ## What to Watch for in Georgia ### Demolition and implosion have separate layers For a Georgia state demolition contract covered by the August 2025 DOAS guideline, the prime’s $50 million excess/umbrella requirement does not replace the implosion subcontractor’s separately stated $20 million layer. If you hire an implosion sub, request its own evidence and confirm the named insureds and completed-operations period in the contract documents.[^1] ### A contractor license floor may be far below the job limit Georgia’s contractor license floors range from $300,000 to $500,000 per occurrence by license category, while the DOAS demolition specification is $50 million. A license certificate therefore will not establish that a contractor meets a project’s umbrella requirement; match limits and endorsements to the actual bid package.[^2][^1] ### Workers’ compensation does not sit inside a liability umbrella by default Georgia’s three-employee rule counts regular part-time and seasonal workers and includes corporate or LLC officers/members in the count, even where an officer waives personal coverage. Check the workers’ compensation evidence separately instead of counting an umbrella limit toward that statutory benefit obligation.[^3] ### Check the state contract’s policy schedule and aggregate DOAS calls for additional-insured status and primary, non-contributory treatment on specified policies, and requires project-specific aggregate endorsements in its general conditions. Ask the state buyer which underlying liability lines must be scheduled and whether the umbrella matches those endorsements; a certificate alone cannot establish the policy response.[^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.[^4][^5][^6] - [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.[^7] ## Providers With Documented State Licenses These providers publish a national listing for Umbrella and excess 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. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’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] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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] - [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.[^14] ## Questions to Ask Before You Buy in Georgia 1. Does the specific solicitation apply a DOAS supplier class limit, a project-specific special provision, or both? 2. Does the umbrella schedule include every liability policy named in the contract, including commercial auto where required? 3. For demolition or implosion, which named contractor and subcontractor must carry the separate limits, and for how long must completed-operations protection continue? 4. Do the required additional-insured, waiver-of-subrogation, primary/non-contributory, and per-project aggregate endorsements apply at each excess layer as well as primary? ## Umbrella And Excess Liability in Georgia: FAQ ### Does every Georgia business need a $50 million umbrella? No. The $50 million limit appears in DOAS’s August 2025 state-contract guideline for demolition suppliers. It is not a general business insurance mandate; other supplier types and private contracts use their own requirements.[^1] ### Does a Georgia contractor license prove that a project’s excess limit is met? No. The license rule sets category-specific general-liability floors. Compare the contract’s required limits, policy schedule, and endorsements with the actual primary and excess policies.[^2][^1] ## Umbrella And Excess Liability in Other States - [Alabama](/coverage/umbrella-excess/alabama) - [Alaska](/coverage/umbrella-excess/alaska) - [Arizona](/coverage/umbrella-excess/arizona) - [Arkansas](/coverage/umbrella-excess/arkansas) - [California](/coverage/umbrella-excess/california) - [Colorado](/coverage/umbrella-excess/colorado) - [Connecticut](/coverage/umbrella-excess/connecticut) - [Delaware](/coverage/umbrella-excess/delaware) - [District of Columbia](/coverage/umbrella-excess/district-of-columbia) - [Florida](/coverage/umbrella-excess/florida) - [Hawaii](/coverage/umbrella-excess/hawaii) - [Idaho](/coverage/umbrella-excess/idaho) - [Illinois](/coverage/umbrella-excess/illinois) - [Indiana](/coverage/umbrella-excess/indiana) - [Iowa](/coverage/umbrella-excess/iowa) - [Kansas](/coverage/umbrella-excess/kansas) - [Kentucky](/coverage/umbrella-excess/kentucky) - [Louisiana](/coverage/umbrella-excess/louisiana) - [Maine](/coverage/umbrella-excess/maine) - [Maryland](/coverage/umbrella-excess/maryland) - [Massachusetts](/coverage/umbrella-excess/massachusetts) - [Michigan](/coverage/umbrella-excess/michigan) - [Minnesota](/coverage/umbrella-excess/minnesota) - [Mississippi](/coverage/umbrella-excess/mississippi) - [Missouri](/coverage/umbrella-excess/missouri) - [Montana](/coverage/umbrella-excess/montana) - [Nebraska](/coverage/umbrella-excess/nebraska) - [Nevada](/coverage/umbrella-excess/nevada) - [New Hampshire](/coverage/umbrella-excess/new-hampshire) - [New Jersey](/coverage/umbrella-excess/new-jersey) - [New Mexico](/coverage/umbrella-excess/new-mexico) - [New York](/coverage/umbrella-excess/new-york) - [North Carolina](/coverage/umbrella-excess/north-carolina) - [Ohio](/coverage/umbrella-excess/ohio) - [Oklahoma](/coverage/umbrella-excess/oklahoma) - [Oregon](/coverage/umbrella-excess/oregon) - [Pennsylvania](/coverage/umbrella-excess/pennsylvania) - [Rhode Island](/coverage/umbrella-excess/rhode-island) - [South Carolina](/coverage/umbrella-excess/south-carolina) - [South Dakota](/coverage/umbrella-excess/south-dakota) - [Texas](/coverage/umbrella-excess/texas) - [Vermont](/coverage/umbrella-excess/vermont) - [Virginia](/coverage/umbrella-excess/virginia) - [Washington](/coverage/umbrella-excess/washington) - [West Virginia](/coverage/umbrella-excess/west-virginia) - [Wisconsin](/coverage/umbrella-excess/wisconsin) [Other Coverage in Georgia](/coverage/states/georgia) ## Sources [^1]: [Insurance and Bonding Guidelines (August 2025)](https://www.doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf) — Georgia Department of Administrative Services; pp. 18–19, Demolition: $50m excess/umbrella, $20m implosion subcontractor requirement, additional-insured and primary/non-contributory clauses; general conditions at p. 14. Accessed 2026-09-28. [^2]: [Residential and Commercial General Contractors Frequently Asked Questions](https://sos.ga.gov/page/residential-and-commercial-general-contractors-frequently-asked-questions) — Georgia Secretary of State; Question: General Liability insurance and Workers’ Compensation insurance requirements; category-specific $300k/$500k GL floors. Accessed 2026-09-28. [^3]: [Workers’ Compensation Insurance FAQs](https://sbwc.georgia.gov/frequently-asked-questions/workers-compensation-insurance-faqs) — Georgia State Board of Workers’ Compensation; FAQs 1–6: three-person rule, regular part-time/seasonal workers, corporate/LLC officers, and waivers. Accessed 2026-09-28. [^4]: [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. [^5]: [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. [^6]: [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. [^7]: [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. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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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