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What Professional Liability (E&O) Insurance Requirements Apply in Georgia?

Georgia requires a private professional provider performing plan-review or inspection services for a county or municipality to carry E&O: $1 million per claim and aggregate for projects costing $5 million or less, and $2 million for projects above $5 million. Practice policies need prior-acts coverage; project-specific policies must remain in force for two years after the final-completion certificate.

What Is Professional Liability (E&O) Insurance?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. Read the national Professional errors and omissions (E&O) guide.

Georgia Professional Liability (E&O) Insurance Requirements

Requirement	Details
Private professional provider E&O	$1m per claim and aggregate up to $5m project cost; $2m per claim and aggregate above $5m ¹

What to Watch for With Professional Liability (E&O) in Georgia

Project Cost Sets the Limit Tier
The required E&O limit turns on project construction cost, with a higher tier above $5 million. For a practice handling multiple projects, ask how the insurer documents each cost tier and whether the practice limit meets the larger project requirement. ¹
Choose Practice or Project Coverage
A practice policy must include prior-acts coverage for the private professional provider. A project-specific policy must continue for two years after the certificate of final completion; record that certificate date and confirm the policy remains active through the full period. ¹
Permit Applicant Verifies Coverage
The permit applicant must verify compliance with this E&O rule. Georgia's 2026 SB 447 also requires local authorities to give written notice within two business days when an inspection report from a private provider is incomplete or inadequate; align insurance and report-correction contacts before submitting. ^1,²

Providers With Georgia License Records

These providers publish a national listing for Professional errors and omissions (E&O); 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.

At-Bay
At-Bay Insurance Services LLC
Insurance producer, Surplus-lines broker · checked 2026-09-28
At-Bay’s license page lists P&C producer and surplus-lines broker license numbers for all 50 states and the District of Columbia. These are company disclosures and do not establish product availability in each jurisdiction. ⁷
At-Bay offers primary miscellaneous professional liability insurance.
Coalition
Coalition Insurance Solutions, Inc.
Insurance producer, Surplus-lines broker · checked 2026-09-28
Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. ⁸
Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies.
Corgi
Corgi Insurance Services, Inc.
Insurance producer · checked 2026-09-28
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 miscellaneous errors and omissions coverage for service-based businesses.
ERGO NEXT Insurance
Next First Insurance Agency, Inc.
Insurance producer · checked 2026-09-28
ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry. ¹¹
ERGO NEXT lists professional liability insurance, also called errors and omissions insurance.
Hiscox
Hiscox Insurance Company Inc.
Insurer · checked 2026-09-28
Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. ¹⁰
Hiscox offers professional errors and omissions insurance for small businesses.
TechInsurance
Specialty Program Group LLC
Insurance producer · checked 2026-09-28
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. ¹²
TechInsurance arranges professional errors and omissions insurance for small businesses.
Vouch
Vouch Specialty Insurance Services, LLC
Insurance producer · checked 2026-09-28
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
Vouch lists errors and omissions among the core coverages in its professional-services programs.

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 Professional Liability (E&O) in Georgia

For each project, what construction cost will the insurer use to determine the $1 million or $2 million limit tier?
Does the practice policy include prior-acts coverage for all private-provider services, or should we use project-specific policies?
Who will track the final-completion certificate and two-year end date, and respond to local written report deficiencies?

Professional Liability (E&O) Insurance in Georgia: FAQ

What E&O limits does Georgia require for private plan reviewers and inspectors?

At least $1 million per claim and aggregate for a project costing $5 million or less, and $2 million per claim and aggregate when the project costs more than $5 million. ¹

How long must a Georgia project-specific E&O policy stay in force?

Two years after the certificate of final completion. A practice policy instead must include prior-acts coverage. ¹

Sources for Professional Liability (E&O) Insurance in Georgia

O.C.G.A. § 8-2-26(g), Local Enforcement, Inspectors, and Building Permits. Georgia Department of Community Affairs; § 8-2-26(g)(11), private provider E&O limits and policy form, DCA statutory fact sheet. Accessed 2026-09-28.
Georgia Senate Bill 447, As Passed. Georgia General Assembly / Office of the Governor; Section 1 revising O.C.G.A. § 8-2-26(g)(14), report deficiency notice. Accessed 2026-09-28.
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.
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.
Report Complaints & Fraud. Georgia Office of Commissioner of Insurance and Safety Fire; Consumer Services complaint instructions and official complaint portal. Accessed 2026-09-28.
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.
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
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.
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.
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.
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.
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.
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.