E&S Insurance in Georgia: Classes, Coverage & Quoting Guide

Pathpoint offers 13 Excess and Surplus (E&S) product lines in Georgia covering 285+ class codes, including Contractors, Lessor's Risk Only (LRO), and Monoline Property. 65% of submissions receive an instant, bindable quote, typically in about 98 seconds. The platform partners with 19+ carriers, handles all Georgia surplus lines compliance automatically with tax calculation at 4.0% and diligent search documentation, with an average bound premium of $3,672 across all product lines.

Key Takeaways

  • 13 E&S product lines covering 285+ class codes in Georgia
  • 65% of submissions receive instant, bindable quotes in ~98 seconds
  • 19+ carrier partners including domestic surplus lines insurers
  • Surplus lines tax of 4.0%, calculated and filed automatically at bind
  • Average bound premium of $3,672 across all Georgia product lines

What E&S product lines can I quote in Georgia?

Georgia agents on Pathpoint can currently quote 13 Excess and Surplus (E&S) product lines covering 285+ class codes. The full lineup includes Contractors (118 class codes), LRO (20), Contractors Excess (89), Vacant Building (3), Retail & Services (28), Vacant Land (2), LRO Excess (12), Restaurants (16), Manufacturing (31), and Churches (3). The top three by bind volume, Contractors, LRO, and Monoline Property, all carry strong appetite, with Contractors and LRO ranking among the highest-activity product lines in Georgia.

Of the 13 product lines, 12 (92.3%) are instant-quotable, meaning agents receive a bindable quote in seconds rather than days. The remaining line, Churches, is referred to Pathpoint's brokerage team for manual placement, with quotes typically returned within 45 hours. For referred submissions, agents use the same single-platform workflow: submit the risk, track progress, and receive the quote without leaving Pathpoint.

Full class list · Ranked by bind volume
#ProductClass CodesTop ClassesQuote TypeAppetite
1Contractors118Contractors–Subcontracted Work–1-/2-Family Dwellings; Remodeling Contractor; Handyperson; Contractors–Executive Supervisors; Roofing–Residential ≤3 Stories⚡ InstantStrong
2LRO20Bldgs/Premises–Bank/Office/Mercantile/Mfg (LRO)–Other Than NFP; Apartment Buildings–Garden; Bldgs/Premises (LRO)–Maintained by Insured; Dwellings–One-Family (LRO); Warehouses–Single Interest (LRO)⚡ InstantStrong
3Monoline PropertyN/ABldgs/Premises–Bank/Office/Mercantile/Mfg (LRO); Apartment Buildings–Garden; Dwellings–One-Family (LRO); Bldgs/Premises (LRO)–Maintained by Insured; Warehouses–Single Interest (LRO)⚡ InstantActive
4Contractors Excess89Drywall/Wallboard Installation; Painting–Exterior ≤3 Stories; Remodeling Contractor; Concrete Construction; Contractors–Subcontracted Work–1-/2-Family Dwellings⚡ InstantActive
5Vacant Building3Vacant Buildings–Not Factories–Other Than NFP; Vacant Buildings–Not Factories–NFP Only⚡ InstantActive
6Retail & Services28Convenience Stores (No Gas/Carwash/Restaurant); Food Trucks & Trailers; Nail Salons; Furniture Stores; Pet Stores⚡ InstantActive
6Vacant Land2Vacant Land–Other Than NFP; Vacant Land–NFP Only⚡ InstantStrong
8LRO Excess12Dwellings–One-Family (LRO); Apartment Buildings–Garden; Apartment Buildings; Warehouses–Multiple Interests (LRO)⚡ InstantStrong
9Restaurants16Restaurants–Alcohol 30–75% w/o Dance Floor; Restaurants–No Alcohol w/ Table Service; Restaurants–Alcohol <30% w/ Table Service; Restaurants–No Alcohol w/o Table Service⚡ InstantActive
10Manufacturing31Food Products Mfg.–Dry; Food Products Mfg.–Not Dry (Non-Glass); Clothing Mfg.; Beverage Bottler–Soft Drinks; Beer/Ale/Malt Liquor Mfg.⚡ InstantActive
11CyberN/AOffices of CPAs; Commercial Printing; Drafting Services⚡ InstantActive
12Churches3Churches or Other Houses of Worship↗ ReferredActive
12Monoline WindN/ADwellings–Three-Family (LRO)⚡ InstantEmerging

How fast can I get an E&S quote in Georgia?

65% of Georgia submissions receive an instant quote, with a median turnaround of roughly 98 seconds. Once an agent submits a risk, the platform evaluates it against the carrier panel in real time. For the 65% of accounts that clear the automated underwriting criteria, a bindable quote appears almost immediately. Agents can submit a risk, review options, bind coverage, and receive policy documents in a single session. The 877 bound policies in Georgia over the trailing 12 months reflect how reliably this workflow delivers for retail producers.

When a submission is more complex, or falls under the Churches product line, which is referred-only, Pathpoint's brokerage team takes over and shops the risk manually across the carrier panel. Referred submissions in Georgia return quotes with a median turnaround of roughly 45 hours. The agent workflow mirrors the instant path: submit through the same interface, track status in the platform, and receive the quote in your inbox. No separate market calls or manual follow-ups are required.

Which carriers are available in Georgia?

Pathpoint partners with 19 carriers that quoted at least one Georgia submission in the trailing 12 months. All 19 are US-domiciled domestic surplus lines insurers: AU Gold, At-Bay, Ategrity, Ategrity SMB, Baleen Specialty, Crum & Forster, District Cover, Kinsale, LIO, Markel, Markel Brokerage, Nautilus, Penn-America, The Hartford, Vave, Velocity Risk Underwriters, Westchester, Westchester Middle Market, and Zurich. The platform automatically routes each submission to the carriers with appetite for that specific class code and risk profile, returning competitive options without requiring agents to contact each market individually.

Coverage spans all 13 product lines active in Georgia, from Contractors (118 class codes) and LRO (20 class codes) to Churches (3 class codes). For submissions that qualify for multiple carriers, the platform presents options side by side so agents can compare premiums and terms before binding. Pathpoint continues expanding carrier relationships across all product lines, with a focus on deepening market options in mid and emerging appetite tiers.

Where is Pathpoint's appetite strongest in Georgia?

Pathpoint organizes appetite into three tiers based on account quote rates. Four Georgia product lines carry strong appetite: Contractors, LRO, Vacant Land, and LRO Excess. These lines produce the highest bind rates, the most carrier competition, and generally the most competitive pricing available through the platform. Contractors alone accounts for 348 binds in the trailing 12 months across 118 class codes, making it the highest-volume product line in Georgia.

Eight product lines sit in the active tier, including Monoline Property, Contractors Excess, Vacant Building, Retail & Services, Restaurants, Manufacturing, Cyber, and Churches. Carriers quote actively in these lines, though competition is somewhat narrower than in the strong tier. Monoline Wind is currently in the emerging tier, where Pathpoint is actively building carrier partnerships for wind-exposed risks. Agents in all tiers submit through the same workflow. The tier reflects how frequently quotes return, not whether the risk is eligible.

What are the surplus lines requirements in Georgia?

Georgia's surplus lines tax rate is 4.0%. The state does not operate a stamping office, so there is no separate stamping fee or filing required through a stamping authority. Pathpoint calculates the 4.0% tax automatically at checkout and handles all required surplus lines documentation electronically as part of the bind process. Agents do not need to manually compute tax or remit separately. The platform manages those obligations end to end.

Georgia follows the Nonadmitted and Reinsurance Reform Act (NRRA) home-state filing method, meaning the full premium is taxed at Georgia's 4.0% rate when Georgia is the insured's home state. The specific diligent search declination requirement for Georgia should be verified directly with the Georgia Department of Insurance, as the number of required declinations was not confirmed in Pathpoint's data source. Pathpoint automates all diligent search documentation as part of the submission and bind workflow, generating the records agents need to demonstrate compliance without separate paperwork.

Surplus Lines Tax
4.0%
Stamping Office
None
Diligent Search
unknown
Filing Method
Home state

How does quoting E&S on Pathpoint work in Georgia?

Quoting E&S in Georgia through Pathpoint follows four steps. First, the agent submits risk information, including class code, location, limits, and relevant exposure details, through the platform interface. Second, Pathpoint routes the submission to the 19-carrier panel and returns results. 65% of accounts receive an instant, bindable quote in roughly 98 seconds, while referred submissions go to Pathpoint's brokerage team and return within approximately 45 hours. Third, the agent selects a quote and requests a bind. Pathpoint handles all Georgia surplus lines filings electronically, including diligent search documentation, with no stamping office submission required. Fourth, policy documents are issued and the 4.0% surplus lines tax is applied automatically at checkout.

No surplus lines license is required for the retail agent. Pathpoint serves as the licensed surplus lines broker of record in Georgia, handling all regulatory obligations on the retail producer's behalf. Agents earn standard retail commission on every bound policy. There is no cost to create an account or submit risks through the platform.

What does E&S insurance cost in Georgia?

The average bound premium in Georgia across all product lines is $3,672, based on 877 policies bound in the trailing 12 months. Premiums vary by product line. Contractors averages $3,073, with a typical range of $840 to $3,177, reflecting the breadth of class codes from small handyperson work to larger remodeling contractors. LRO averages $3,614, with a typical range of $617 to $4,834 depending on building type, occupancy, and location. Monoline Property averages $5,223, with a typical range of $1,981 to $6,688, driven by the mix of larger commercial buildings and weather-exposed locations.

E&S premiums tend to run higher than admitted market pricing because surplus lines carriers accept risks the standard market has declined, including higher hazard classes, newer businesses, or locations with elevated exposure. Pathpoint's 19-carrier panel creates real competition in Georgia, which keeps pricing as sharp as the risk profile allows. Exact premium, deductibles, and coverage terms are set at the quote stage. Agents can compare options across carriers before binding, and there is no obligation to bind after receiving a quote.

There is no charge to use the Pathpoint platform. Agents earn standard retail commissions on every bound Georgia policy. The 4.0% surplus lines tax is applied automatically at checkout and passed through to the insured as a separate line item on the policy documents.

Frequently Asked Questions: E&S Insurance in Georgia

Pathpoint offers 13 E&S product lines in Georgia covering 285+ class codes. The lineup includes Contractors, LRO, Monoline Property, Contractors Excess, Vacant Building, Retail & Services, Vacant Land, LRO Excess, Restaurants, Manufacturing, Cyber, Churches, and Monoline Wind. Of the 13 lines, 12 (92.3%) are instant-quotable, meaning agents receive a bindable quote in seconds. The remaining line, Churches, is referred to Pathpoint's brokerage team and typically returns within 45 hours. Contractors is the most active product line in Georgia by bind volume, followed by LRO and Monoline Property.
Georgia's surplus lines tax rate is 4.0%. The state does not operate a stamping office, so there is no separate stamping fee or filing through a stamping authority. Pathpoint calculates the 4.0% tax automatically at checkout and handles all required surplus lines documentation electronically as part of the bind process. Agents do not need to manually compute or remit the tax. The platform passes the amount through to the insured as a line item on the policy documents.
65% of Georgia submissions receive an instant, bindable quote, with a median turnaround of roughly 98 seconds. Agents can submit, quote, bind, and receive policy documents without leaving the platform. For more complex submissions or the Churches product line, Pathpoint's brokerage team handles placement manually and returns quotes with a median turnaround of approximately 45 hours. Agents track progress and receive results through the same Pathpoint interface. No separate market calls or manual follow-up is required.
No. Retail agents do not need a surplus lines license to place coverage through Pathpoint in Georgia. Pathpoint acts as the licensed surplus lines broker of record, handling all regulatory filings and compliance obligations on the retail producer's behalf. Agents earn standard retail commissions on every bound policy. There is no cost to create a Pathpoint account, no subscription fee, and no charge for submitting risks.
Pathpoint works with 19 carriers that quoted Georgia submissions in the trailing 12 months. All 19 are US-domiciled domestic surplus lines insurers, including AU Gold, At-Bay, Ategrity, Baleen Specialty, Crum & Forster, Kinsale, LIO, Markel, Nautilus, Penn-America, The Hartford, Vave, Velocity Risk Underwriters, Westchester, Zurich, and others. The platform automatically routes each submission to the carriers with active appetite for the specific class and risk profile, returning competitive options without requiring agents to contact markets individually.
A referred submission means the risk requires manual review by an underwriter rather than real-time automated evaluation. In Georgia, Churches is the only referred-only product line. When a submission is referred, Pathpoint's brokerage team shops the risk across the carrier panel and returns a quote with a median turnaround of approximately 45 hours. The agent experience is the same as for instant quotes: submit through the platform, track status, receive the quote in the same interface. No separate surplus lines license or direct market contact is required from the retail agent.
The average bound premium across all Georgia product lines is $3,672, based on 877 policies bound in the trailing 12 months. Premiums vary by product line: Contractors averages $3,073 (typical range $840 to $3,177), LRO averages $3,614 (typical range $617 to $4,834), and Monoline Property averages $5,223 (typical range $1,981 to $6,688). Exact pricing depends on class code, limits, location, and loss history, all determined at the quote stage. There is no obligation to bind after receiving a quote, and the platform is free to use.
Georgia does not have a stamping office, so there is no separate stamping submission required. Pathpoint handles all surplus lines compliance electronically as part of the bind process, including diligent search documentation and the required policy and tax filings. The 4.0% surplus lines tax is calculated and applied automatically at checkout. Agents do not need to interact with the Georgia Office of Commissioner of Insurance and Safety Fire for routine policy filings. Pathpoint manages those obligations as the licensed surplus lines broker of record.
FAQs