2025 Code of Georgia
Title 33 - Insurance (Chs. 1 — 66)
Chapter 23 - Licensing (Arts. 1 — 3)
Article 1 - Agents, Agencies, Subagents, Counselors, and Adjusters (§§ 33-23-1 — 33-23-46)
Annotations
Notes
Editor’s notes.Ga. L. 1992, p. 2830, § 1, effective July 1, 1992, repealed the Code sections formerly codified as Articles 1 and 2 and enacted the current Article 1 in their place. The same Act also renumbered former Article 3 as Article 2. Former Articles 1 and 2 were based on Ga. L. 1960, p. 289, § 1; Ga. L. 1965, p. 368, § 1; Ga. L. 1968, p. 369, § 1; Ga. L. 1966, p. 283, § 1; Ga. L. 1966, p. 315, § 1; Ga. L. 1967, p. 630, § 1; Ga. L. 1969, p. 489, § 1; Ga. L. 1969, p. 583, §§ 1, 2; Ga. L. 1970, p. 492, § 1; Ga. L. 1972, p. 489, § 1; Ga. L. 1975, p. 1232, § 1; Ga. L. 1976, p. 535, §§ 1,2; Ga. L. 1979, p. 882, §§ 1, 2; Ga. L. 1980, p. 516, §§ 1, 2; Ga. L. 1980, p. 1163, §§ 1-5, 7, 8; Ga. L. 1981, p. 1789, §§ 1-4; Ga. L. 1982, p. 3, § 33; Ga. L. 1985, p. 1087, § 4; Ga. L. 1988, p. 1519, §§ 5-8; Ga. L. 1989, p. 665, §§ 1-5; Ga. L. 1990, p. 8, § 33; Ga. L. 1991, p. 1403; § 1; Ga. L. 1991, p. 1864, § 1; Ga. L. 1992, p. 2725, §§ 22-26; Ga. L. 1992, p. 2830, § 1.
JUDICIAL DECISIONS
License immaterial in action on adequacy of coverage. —In an action regarding the adequacy of insurance coverage, whether the agent is licensed as an “agent” or as a “broker” is immaterial, for the relationship of the parties, not the license held by the defendant, is the controlling issue. Wright Body Works, Inc. v. Columbus Interstate Ins. Agency, 233 Ga. 268, 210 S. E.2d 801, 1974 Ga. LEXIS 739 (1974).
Research References & Practice Aids
RESEARCH REFERENCES ALR.Duty of insurer to give notice of termination of agency, 14 A. L. R. 846.
Insurance by agent on his own property, 83 A. L. R. 1509.
Person to whom payment of insurance premium may be made (or tendered) so as to charge insurer, 85 A. L. R. 749.
Income tax: deduction, in return on accrual basis, in respect of agents’ or salesmen’s commissions, 143 A. L. R. 1171.
Decision of United States Supreme Court that insurance is interstate commerce as affecting state statutes relating to foreign insurance companies, 164 A. L. R. 500.
Person to whom renewal premium may be paid or tendered so as to bind insurer, 42 A. L. R.3d 751.
Liability of tortfeasor’s insurance agent or broker to injured party for failure to procure or maintain liability insurance, 72 A. L. R.4th 1095.
Liability of insurance agent or broker for placing insurance with insolvent carrier, 42 A. L. R.5th 199.
Hierarchy Notes:O. C. G. A. Title 33
O. C. G. A. Title 33, Ch. 23
- § 33-23-1. Definitions
- § 33-23-1.1. Counselor’s additional ancillary services considered a separate transaction
- § 33-23-2. [Reserved] Licenses to be issued only to individuals
- § 33-23-3. Agency licensing and biennial renewals; ownership restrictions
- § 33-23-4. License required; restrictions on payment or receipt of commissions; positions indirectly related to sale, solicitation, or negotiation of insurance excluded from licensing requirements
- § 33-23-5. Qualifications and requirements for license
- § 33-23-5.1. Conviction data
- § 33-23-6. Bond requirements for applicants for adjuster’s license
- § 33-23-7. Bond requirement for applicants for counselor’s license
- § 33-23-8. Form and contents of license application; fees
- § 33-23-9. Study materials for applicants
- § 33-23-10. Examination of applicants
- § 33-23-11. Issuance and contents of license; display certificate of licensure
- § 33-23-12. [Effective until January 1, 2027] Limited licenses
- § 33-23-12. [Effective January 1, 2027] Limited licenses
- § 33-23-13. Temporary licenses
- § 33-23-14. Probationary licenses
- § 33-23-15. Additional licenses
- § 33-23-16. Licensing of nonresidents
- § 33-23-17. Registration of nonresident representatives to represent life insurers in military installations in foreign countries
- § 33-23-18. Issuance of license on biennial basis; filing for renewal; continuing education requirements
- § 33-23-19. Placing of license on inactive status; subsequent revocation
- § 33-23-20. Effect of license suspension or placement of license on inactive status
- § 33-23-21. Grounds for refusal, suspension, or revocation of license
- § 33-23-21.1. Licensing for educational borrowers in default
- § 33-23-21.2. [Effective July 1, 2027] Petition for predetermination regarding individual’s criminal record
- § 33-23-22. Notice of suspension or revocation of license; hearing; appeals
- § 33-23-23. Limitation on application after refusal or revocation of license; effect of surrender of license under written consent order
- § 33-23-24. Permits and licenses not transferable
- § 33-23-25. Place of business
- § 33-23-26. Agent’s certificate of authority
- § 33-23-27. Subagent’s certificate of authority
- § 33-23-28. Scope of subagent’s authority; record of transactions
- § 33-23-29. Authority of agent to act as adjuster; nonresident adjusters; reciprocal agreements
- § 33-23-29.1. Licensing of nonresident counselors
- § 33-23-30. Restrictions on signing by agents
- § 33-23-31. Risk situs; service on nonresidents; venue of action
- § 33-23-32. Countersigning by resident agents not required generally; exceptions; commissions
- § 33-23-33. Duty of licensees to provide current information of names and addresses
- § 33-23-34. Records of transactions
- § 33-23-35. Reporting and disposition of premiums
- § 33-23-36. Inquiry into illegal or improper conduct
- § 33-23-37. Licensing of surplus lines broker; application; bond; written examination
- § 33-23-38. Placing insurance beyond scope of license or with nonlicensed insurers prohibited; restrictions on sharing commissions; penalty for violation
- § 33-23-39. Placing of insurance through unlicensed agent prohibited; exception relating to construction project bid bonds
- § 33-23-40. Contracts issued by unauthorized persons not rendered unenforceable
- § 33-23-41. Liability and penalties for unauthorized acts
- § 33-23-42. Performing acts for unauthorized insurer
- § 33-23-43. Authority of adjusters; penalty for violation
- § 33-23-43.1. Representing oneself as public adjuster; when license not required
- § 33-23-43.2. Requirements for public adjuster contracts
- § 33-23-43.3. Compensation of adjusters; criteria for written endorsement of payment
- § 33-23-43.4. Proof of financial responsibility
- § 33-23-43.5. Complete record of transactions; retention and examination
- § 33-23-43.6. Funds held in fiduciary capacity; authorization for disclosure
- § 33-23-43.7. Advertisements; deceptive or misleading ads; required disclaimer
- § 33-23-43.8. Prohibited acts of adjusters
- § 33-23-43.9. Standard of conduct for public adjusters
- § 33-23-43.10. Denial, suspension, or revocation of license; notice and hearing
- § 33-23-43.11. [Effective July 1, 2027] Petition for predetermination regarding individual’s criminal record
- § 33-23-44. Rules and regulations
- § 33-23-45. [Reserved] Limitation on applicability of article
- § 33-23-46. Compensation of licensed counselors; disclosure; exceptions
