Coverage line

A taut rescue rope finds a path through a thorn thicket toward an open traveller’s hand.Illustration for The General Average

What Kidnap and Ransom Insurance Requirements Apply in Georgia?

For a Georgia-home-state placement, a surplus-lines policy with an annual premium of $5,000 or less must come with the state’s standard explanatory brochure. Georgia’s brochure says these policies are outside the state guaranty fund and Department review, and warns renewal or nonrenewal notice may come close to expiration.

What Is Kidnap and Ransom Insurance?

Kidnap and ransom insurance provides financial protection for specified kidnapping and extortion events and gives the business access to a crisis-response firm. Check who is insured, which events are named, and how territory and sanctions terms apply to your actual travel. Read the national Kidnap and ransom guide.

What Should You Watch for With Kidnap and Ransom Insurance in Georgia?

Check the Brochure Threshold for a Smaller Annual Premium
Georgia requires the standard surplus-lines brochure with a policy or certificate whose annual premium is $5,000 or less. If your K&R quote falls within that threshold, ask the surplus-lines broker to include the brochure with your policy copy. ¹
Read the K&R Terms Without Assuming a State Backstop
Georgia’s required brochure says surplus-lines policies are not covered by the state guaranty fund and the Department does not review or approve their terms. Compare the actual K&R wording for covered people, response triggers, consent conditions, territorial limits, and reimbursable costs before accepting the quote. ¹
Track Renewal Timing Before the Policy Expires
Georgia’s brochure warns a surplus-lines policy may not renew and that notice of a premium increase or nonrenewal may arrive close to expiration. Set a renewal check-in early enough to review any change to K&R response services, insured people, territory, and limits. ¹

Which Kidnap and Ransom Providers Have Georgia License Records?

These providers publish a national listing for Kidnap and ransom; 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.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
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. ⁹
Corgi lists kidnap and ransom among its specialized business-insurance offerings.

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

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (800) 656-2298

Surplus-Lines Tax and Stamping Office in Georgia

Reported tax rate. 4% of total premium when Georgia is the home state ⁶

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.

Questions to Ask Before You Buy Kidnap and Ransom in Georgia

Does this policy’s annual premium trigger Georgia’s $5,000-or-less brochure rule, and will the brochure accompany our policy copy?
Which named K&R terms, people, territories, response services, consent conditions, and expenses change at renewal?
When will you check renewal availability and tell us about a premium change or nonrenewal?
What is the insurer’s exact legal name, and how do the quoted terms address insolvency and claims handling?

Kidnap and Ransom Insurance in Georgia: Frequently Asked Questions

When does Georgia require a surplus-lines brochure?

Georgia requires its standard explanatory brochure with a surplus-lines policy or certificate whose annual premium is $5,000 or less. The brochure explains that the policy is outside the state guaranty fund and Department policy review. ¹

How much notice will I get if a Georgia surplus-lines policy will not renew?

Georgia’s state brochure says notice of a premium increase or intent not to renew may arrive close to the policy’s expiration. Ask your broker to set an earlier renewal review so you have time to review replacement K&R terms. ¹

Sources

13 documents, numbered as cited. Open the sources

Sources for Kidnap and Ransom Insurance in Georgia

1
Ga. Comp. R. & Regs. 120-2-89: Surplus Lines Insurance Regulation. Georgia Secretary of State, Rules and Regulations; Rules 120-2-89-.02 and -.03; Appendix A: annual premium threshold; guaranty fund, rates/forms not filed, no Department policy review, and renewal/nonrenewal timing statements. Accessed 2026-09-28.
2
15 U.S.C. §8202: Regulation by Insured’s Home State. U.S. House, Office of the Law Revision Counsel; Subsections (a), (c): home-state-only regulation and preemption. 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.

What Kidnap and Ransom Insurance Requirements Apply in Georgia?

What Is Kidnap and Ransom Insurance?

What Should You Watch for With Kidnap and Ransom Insurance in Georgia?

Check the Brochure Threshold for a Smaller Annual Premium

Read the K&R Terms Without Assuming a State Backstop

Track Renewal Timing Before the Policy Expires