---
title: O.C.G.A. § 33-23-39. Placing of insurance through unlicensed agent prohibited; exception relating to construction project bid bonds.
collection: code
id: 33-23-39
cite_as: O.C.G.A. § 33-23-39 (2025)
canonical_url: https://georgiacommons.org/code/33-23-39
md_url: https://georgiacommons.org/code/33-23-39.md
text_url: https://georgiacommons.org/code/33-23-39/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t33-ch23-65-(v25)-2020-pdf.pdf?sfvrsn=68297_0#page=87
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.
up: https://georgiacommons.org/code/33-23.md
previous: https://georgiacommons.org/code/33-23-38.md
next: https://georgiacommons.org/code/33-23-40.md
index: https://georgiacommons.org/code/index.md
version: the only printed version
in_force: true
current_through: Including Acts of the 2025 Regular Session of the General Assembly
heading_path: INSURANCE / LICENSING / AGENTS, AGENCIES, SUBAGENTS, COUNSELORS, AND ADJUSTERS
---

# O.C.G.A. § 33-23-39. Placing of insurance through unlicensed agent prohibited; exception relating to construction project bid bonds.

No insurer shall issue, make, write, place, or cause to be made, written, placed, or issued any contract of insurance, indemnity, or suretyship covering risks or property located or having a situs in this state or covering any liability created by or arising under the laws of this state, except through an agent or agents licensed pursuant to this article, except that bid bonds issued by any surety insurer in connection with any public or private building or construction project may be issued without regard to this Code section or as provided for in subparagraph (h)(2)(F) of Code Section 33-23-4.

## History

Code 1981, § 33-23-39, enacted by Ga. L. 1992, p. 2830, § 1; Ga. L. 2001, p. 925, § 1.