---
title: O.C.G.A. § 10-4-25. When insurance on stored products required.
collection: code
id: 10-4-25
cite_as: O.C.G.A. § 10-4-25 (2025)
canonical_url: https://georgiacommons.org/code/10-4-25
md_url: https://georgiacommons.org/code/10-4-25.md
text_url: https://georgiacommons.org/code/10-4-25/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t10-(v8)-2024-pdf.pdf?sfvrsn=1992b47e_0#page=667
date: 2025
status: active
corpus_version: 2025-supplement-89aa39ab3c68
license: CC0-1.0
publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice.
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version: the only printed version
in_force: true
current_through: Including Acts of the 2025 Regular Session of the General Assembly
heading_path: COMMERCE AND TRADE / WAREHOUSEMEN / GENERAL PROVISIONS; AGRICULTURAL PRODUCT WAREHOUSING
---

# O.C.G.A. § 10-4-25. When insurance on stored products required.

All agricultural products stored for the producer in their raw or natural state, and cotton in any form stored for the producer, in storage in a warehouse under this article or deposited temporarily in such a warehouse pending storage shall be kept insured at full market value by the warehouseman against loss or damage by fire or lightning and shall have extended coverage, except that cotton shall be insured against loss or damage by fire and lightning only. Such insurance shall be carried in an insurance company or companies of the warehouseman’s choice authorized to do business in this state, and evidence of such insurance coverage in form to be approved by the Commissioner of Insurance shall be filed with the Commissioner of Agriculture. Such insurance shall be provided by, and carried in the name of, the warehouseman; provided, however, that a producer depositing or storing agricultural products who does not wish to have his products insured by the warehouseman may relieve the warehouseman of that duty by notifying the warehouseman in writing that he does not wish his agricultural products insured.

## History

Ga. L. 1953, Nov.-Dec. Sess., p. 412, § 20; Ga. L. 1989, p. 14, § 10; Ga. L. 2024, p. 1052, § 2(42)/SB 448, effective July 1, 2024.

## Cross References

Placement of risk of loss of goods held by bailee, § 11-2-509.

## Amendments

The 2024 amendment, effective July 1, 2024, part of an Act to revise, modernize, and correct the Code, substituted “fire or lightning and shall have” for “fire, lightning, and” in the first sentence.