Georgia Casualty Insurance — License Examination Requirements
US-GA · License preparation
This page provides licensing requirements, not a question bank. Review the applicable pathway and official sources below.
Licenses, application pathways and examination requirements
Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.
Agency — Casualty
Business entity insurance producer; individual agents must hold their own licenses.
Licensing authority: Office of the Commissioner of Insurance and Safety Fire · Application information
Agency late renewal
- Deadline
- Late renewal with required late fee within fifteen days of expiration.
Official no-examination sources
Effective from 2026-09-22.
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.05 (9)(b)
Nonresident agency issuance
- Eligibility
- Meet O.C.G.A. §§ 33-23-3 and 33-23-16 and Rule 120-2-3-.05, prescribed application, fees and home-state requirements; individual agent licensure remains separate.
Official no-examination sources
Effective from 2026-09-22.
- Official Code of Georgia Annotated, 2025 Supplement
O.C.G.A. § 33-23-3(a)
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.34 (5)
Agency reapplication after refusal or revocation
- Waiting period
- Applicable statutory waiting period and good-cause requirement; then satisfy agency application and ownership restrictions.
Official no-examination sources
Effective from 2026-09-22.
- Official Code of Georgia Annotated, 2025 Supplement
O.C.G.A. § 33-23-23(a)-(d)
- Official Code of Georgia Annotated, 2025 Supplement
O.C.G.A. § 33-23-3(a)
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.05 (2)
Agency biennial renewal
- Deadline
- Renew biennially before the last day of the agency’s origination month under the 2025 amendment; file prescribed forms and fees.
- Legal priority
- The amended statute controls over an older rule’s renewal timing.
Official no-examination sources
Effective from 2026-09-22.
- Official Code of Georgia Annotated, 2025 Supplement
O.C.G.A. § 33-23-3(a)
Resident agency issuance
- Application
- Proper agency application, prescribed fees, principal-office designation and any required business-name approval.
- Licensed agents
- At least one properly licensed agent with primary place of business at each agency location; agency authority cannot exceed its agents’ lines; the entity license does not replace individual licenses.
Official no-examination sources
Effective from 2026-09-22.
- Official Code of Georgia Annotated, 2025 Supplement
O.C.G.A. § 33-23-3(a)
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.05 (2)
- Official Code of Georgia Annotated, Title 33
O.C.G.A. § 33-23-4(a)(1)-(3)
Nonresident Limited Lines Agent — Casualty
Limited casualty authority corresponding to the applicant’s home-state limited lines license.
Licensing authority: Office of the Commissioner of Insurance and Safety Fire · Application information
Nonresident limited lines casualty reciprocity
- Home license
- Current home-state limited-lines license in good standing; Georgia grants the same restricted scope, less than its corresponding major line; reciprocity and prescribed application/fees required.
Official no-examination sources
Effective from 2026-09-22.
- Official Code of Georgia Annotated, Title 33
O.C.G.A. § 33-23-16(e)
- Official Code of Georgia Annotated, Title 33
O.C.G.A. § 33-23-16(a)(3)-(4)
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.34 (7)
Nonresident limited lines renewal or reapplication
- Home license
- Verify current reciprocal home-state limited authority; renew with forms and fees, or reapply after expiration under initial eligibility requirements.
Official no-examination sources
Effective from 2026-09-22.
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.35 (1)-(3)
- Official Code of Georgia Annotated, Title 33
O.C.G.A. § 33-23-16(e)
Rental Company Limited License
Limited incidental rental-vehicle insurance, including liability coverage under O.C.G.A. § 33-23-12(c).
Licensing authority: Office of the Commissioner of Insurance and Safety Fire · Application information
Rental company limited license issuance
- Application
- Required form and statutory fees; insurer sponsorship and certificate of authority are not required.
- Location
- Principal location or home office only.
- Sales scope
- Incidental rental-vehicle coverage through licensed insurers, including liability insurance; statutory rental-period and consumer-disclosure conditions apply.
- Training
- Certify basic employee training in approved products; Department-approved instructor and course outline, or approved property-and-casualty prelicensing instruction.
Official no-examination sources
Effective from 2026-09-22.
- Official Code of Georgia Annotated, 2025 Supplement
O.C.G.A. § 33-23-12(c)(2)
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.45 (1)
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.45 (3)
Rental company reapplication after refusal or revocation
- Eligibility
- Statutory waiting period and good cause, then initial application, employee training, scope and fees.
Official no-examination sources
Effective from 2026-09-22.
- Official Code of Georgia Annotated, 2025 Supplement
O.C.G.A. § 33-23-23(a)-(d)
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.45 (1)
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.45 (3)
Rental company biennial renewal
- Employee training
- Certify two hours of employee continuing education concerning offered insurance, using approved instructors/courses or an approved property-and-casualty provider.
- Filing
- Renew before expiration, file prescribed forms and fees.
Official no-examination sources
Effective from 2026-09-22.
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.45 (6)
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.45 (3)
Limited Subagent — Personal Lines Property and Casualty
Insurance activity under the sponsorship and responsibility of a licensed agent.
Licensing authority: Office of the Commissioner of Insurance and Safety Fire · Application information
Limited subagent former staff reinstatement
- Prior status
- Licensed limited subagent when employed full time in responsible duties by the Commissioner; request reinstatement within ninety days of employment termination; satisfy sponsorship requirements.
Official no-examination sources
Effective from 2026-09-22.
- Official Code of Georgia Annotated, Title 33
O.C.G.A. § 33-23-5(b)
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.31 (3)
Resident limited subagent initial issuance
- Application
- Prescribed application, fees, affidavit and electronic fingerprints unless an applicable active-license/reinstatement exemption applies.
- Education
- Approved eight-hour limited-subagent course in the relevant combination of lines, completed within twelve months of application.
- Scope
- Personal lines property and casualty; authority cannot exceed the sponsoring agent’s lines.
- Sponsor
- Resident agent licensed for the same lines; agent agrees to appoint the applicant, investigates character and criminal background, recommends issuance, retains the license and bears sponsorship responsibility.
Official no-examination sources
Effective from 2026-09-22.
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.31 (1)
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.31 (3)
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.31 (2)
Limited subagent military restoration
- Military service
- License lapsed during military service; apply within five years of expiration and no later than one year after service termination; furnish proof and a qualified sponsor.
Official no-examination sources
Effective from 2026-09-22.
- Official Code of Georgia Annotated, Title 33
O.C.G.A. § 33-23-10(c)
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.31 (3)
Limited subagent reapplication after refusal or revocation
- Application
- Prescribed application, fees, affidavit and electronic fingerprints unless an applicable active-license/reinstatement exemption applies.
- Education
- Approved eight-hour limited-subagent course in the relevant combination of lines, completed within twelve months of application.
- Scope
- Personal lines property and casualty; authority cannot exceed the sponsoring agent’s lines.
- Sponsor
- Resident agent licensed for the same lines; agent agrees to appoint the applicant, investigates character and criminal background, recommends issuance, retains the license and bears sponsorship responsibility.
- Waiting period
- The five-year statutory waiting period and good-cause requirement apply; discretionary reapplication after at least one year applies to refused applications.
Official no-examination sources
Effective from 2026-09-22.
- Official Code of Georgia Annotated, 2025 Supplement
O.C.G.A. § 33-23-23(a)-(d)
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.31 (3)
Limited subagent reinstatement within one year
- Deadline
- Reinstate before one year after expiration; cure continuing education and filing deficiencies and pay penalty and required fees.
- Fingerprints
- Electronic fingerprints at six or more months after expiration.
- Sponsor
- A qualified sponsoring resident agent is required.
Official no-examination sources
Effective from 2026-09-22.
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.16 (2)
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.16 (3)
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.31 (3)
Limited subagent relicensure after one year
- Application
- Prescribed application, fees, affidavit and electronic fingerprints unless an applicable active-license/reinstatement exemption applies.
- Education
- Reapply and satisfy all limited-subagent prelicensing requirements.
- Scope
- Personal lines property and casualty; authority cannot exceed the sponsoring agent’s lines.
- Sponsor
- Resident agent licensed for the same lines; agent agrees to appoint the applicant, investigates character and criminal background, recommends issuance, retains the license and bears sponsorship responsibility.
Official no-examination sources
Effective from 2026-09-22.
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.16 (3)
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.31 (3)
Limited subagent biennial renewal
- Appointment
- Renew the limited-subagent certificate of authority with the license; loss of the sponsor’s license cancels the limited-subagent license.
- Filing
- Renew on prescribed forms and pay fees; submit ten hours of continuing education after conversion to biennial licensing.
Official no-examination sources
Effective from 2026-09-22.
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.31 (5)
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.31 (3)
Temporary Limited Subagent — Casualty
Hardship authority to continue or wind up a limited subagent business.
Licensing authority: Office of the Commissioner of Insurance and Safety Fire · Application information
Extension of temporary authority
- Application
- File the required application and fees; continuation remains discretionary.
- Duration
- Three-month extension subject to the original fifteen-month cap.
- Sponsor
- Insurer-sponsored trainees remain subject to sponsor/supervisor requirements; hardship continuation remains restricted to existing accounts.
Official no-examination sources
Effective from 2026-09-22.
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.40 (5)
- Georgia Rules and Regulations, Subject 120-2-3
Rule 120-2-3-.40 (3)
Temporary hardship authority to continue or wind up a business
- Duration
- Six months with discretionary three-month extensions, never exceeding fifteen months from the first temporary issuance in the matter.
- Eligible applicant
- Agency employee, family member, associate, guardian, receiver, executor or administrator; sworn application and Commissioner qualification determination.
- Exemptions
- The statute expressly waives examination, residence and education.
- Permitted activity
- Renewals, premiums and acts necessary to continue or wind up the former business; no new insurance accounts.
- Trigger
- Death, military service, illness, disability or insurer appointment termination of the former agent or limited subagent; no other appropriately licensed individual connected with the agency can act.
Official no-examination sources
Effective from 2026-09-22.
- Official Code of Georgia Annotated, Title 33
O.C.G.A. § 33-23-13(a), hardship eligibility
- Official Code of Georgia Annotated, Title 33
O.C.G.A. § 33-23-13(a), exemption
- Official Code of Georgia Annotated, Title 33
O.C.G.A. § 33-23-13(d)