The state of Georgia is part of the U.S. insurance regulatory framework, a highly coordinated state-based national system designed to protect policyholders and to serve the greater public interest through the effective regulation of the U.S. insurance marketplace. Through the National Association of Insurance Commissioners (NAIC), U.S. insurance regulators establish national standards and best practices, conduct peer reviews, and coordinate their regulatory oversight to better protect the interests of consumers while ensuring a strong, viable marketplace.

U.S. insurance regulators also participate in the International Association of Insurance Supervisors (IAIS) for major standard setting initiatives, including working with fellow regulators from around the world to better supervise cross-border insurers, identify systemic risk in the insurance sector, and creating international best practices.

Our Divisions:

  • Insurance Division
    • Consumer Services: Investigates policyholder complaints and responds to inquiries from the public. Our goal is to answer insurance related questions promptly and to ensure fair and equitable resolution of disputes involving insurance transactions between insurers, agents, and policyholders.
    • Insurance Financial Oversight: Handles licensing of insurance companies and other entities desiring to transact business in Georgia.
    • Insurance Product Review: Reviews property and casualty insurance rates for approval or disapproval of all policy forms for property and casualty insurance as well as life and health insurance used in the state.
    • Agents Licensing:  Licenses insurance agents, solicitors, counselors, brokers and adjusters for all classes of insurance.
    • Enforcement Section: Represents the various divisions of the Office of Insurance Commissioner at public hearings called by the Commissioner, and renders a variety of administrative and legal research services to the Commissioner and members of his staff.
    • Fraud Investigation Unit: Investigates illegal insurance activities that are perpetrated by companies, agents, or individuals. 
  • Safety Fire Division

    The Safety Fire Commissioner is responsible for investigating and examining construction and engineering techniques, construction material properties and fire prevention and protection techniques. Based upon research, the Commissioner then adopts Rules, Regulations, codes and standards that provide reasonable and practical protection for persons and property from fire. The Rules, Regulations, codes and standards adopted by the Commissioner have the force and effect of law and serve as the state minimum fire safety standards.

    The responsibilities of the Fire Marshal's Office fall into six main categories: Building Inspection, Engineering, Manufactured Housing, Fire Scene Investigation, Hazardous Materials and Fire Safety Education.

  • Premium Tax

    The Premium Tax Division is responsible for ensuring compliance with the insurance tax laws, rules and regulations and for processing the premium tax returns for all insurance companies and surplus lines transactions in the State of Georgia. In addition, the Premium Tax Division assesses, collects and distributes the County/Municipal Tax and assesses and collects the Special Insurance Fraud Fund.