---
title: O.C.G.A. § 33-3-2. Certificate of authority required for transaction of insurance within state; exceptions.
collection: code
id: 33-3-2
cite_as: O.C.G.A. § 33-3-2 (2025)
canonical_url: https://georgiacommons.org/code/33-3-2
md_url: https://georgiacommons.org/code/33-3-2.md
text_url: https://georgiacommons.org/code/33-3-2/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t33-ch1-22-(v24)-2020-pdf.pdf?sfvrsn=a873240d_0#page=101
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/33-3.md
previous: https://georgiacommons.org/code/33-3-1.md
next: https://georgiacommons.org/code/33-3-3.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 / AUTHORIZATION AND GENERAL REQUIREMENTS FOR TRANSACTION OF INSURANCE
---

# O.C.G.A. § 33-3-2. Certificate of authority required for transaction of insurance within state; exceptions.

(a) No person shall act as an insurer and no insurer shall transact insurance in Georgia except as authorized by a subsisting certificate of authority granted to it by the Commissioner, except as to any transactions as are expressly otherwise provided for in this title.

(b) The mere investigation and adjustment of any claim in this state arising under an insurance contract and litigation in connection therewith shall not be deemed to constitute the transacting of insurance in this state.

(c) An insurer not transacting new insurance business in Georgia but continuing collection of premiums on and servicing of policies remaining in force as to residents of or risks located in Georgia is transacting insurance in Georgia for the purpose of premium tax requirements only and is not required to have a certificate of authority therefor.

(d) As to an insurance coverage on a subject of insurance not resident, located, or expressly to be performed in Georgia at time of issuance and solicited, written, and delivered outside Georgia, no certificate of authority shall be required of an insurer as to subsequent transactions in Georgia on account of such insurance; and this title shall not apply to such insurance or insurance coverage, except for the purpose of premium tax requirements.

## History

Code 1933, § 56-302, enacted by Ga. L. 1960, p. 289, § 1; Ga. L. 1982, p. 3, § 33.

## Cross References

Persons deemed subject to laws regulating life insurance companies, § 33-7-10.