---
title: O.C.G.A. § 33-23-41. Liability and penalties for unauthorized acts.
collection: code
id: 33-23-41
cite_as: O.C.G.A. § 33-23-41 (2025)
canonical_url: https://georgiacommons.org/code/33-23-41
md_url: https://georgiacommons.org/code/33-23-41.md
text_url: https://georgiacommons.org/code/33-23-41/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=88
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/33-23-40.md
next: https://georgiacommons.org/code/33-23-42.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. § 33-23-41. Liability and penalties for unauthorized acts.

Any person who in this state acts, purports to act, or holds himself or herself out as an agent, limited subagent, counselor, or adjuster or as an employee of an agent, limited subagent, counselor, or adjuster of or for an insurer that has not obtained from the Commissioner a certificate of authority then in effect to do business in this state as required by this article or who has not obtained a certificate of authority as required by this article and any person who in this state collects or forwards any premium or portion of the premium for or to the insurer shall pay a sum equal to the state, county, and municipal taxes and license fees required to be paid by the insurance companies legally doing business in this state. It is the Commissioner’s duty to report violators of this Code section to the district attorney for the county in which the violations occurred. Violators of this Code section shall also be personally liable to the same extent as the insurer upon every contract of insurance made by the insurer with reference to a risk having a situs in this state, if the violator participated in the solicitation, negotiation, or making of the contract or in any endorsement to the contract, in any modification of the contract, or in the collection or forwarding of any premium or portion of the premium relating to such contract. This Code section shall have no application to a contract of insurance entered into in accordance with Chapter 5 of this title.

## History

Code 1981, § 33-23-41, enacted by Ga. L. 1992, p. 2830, § 1; Ga. L. 2001, p. 925, § 1; Ga. L. 2008, p. 1076, § 20/SB 113; Ga. L. 2019, p. 386, § 18/SB 133.

The 2019 amendment, effective July 1, 2019, substituted ‘‘this article’’ for ‘‘this title’’ in the middle of the first sentence.