Can surplus lines brokers serve clients located outside Georgia?

Surplus lines brokers in Georgia are permitted to serve clients located outside the state as long as they adhere to the local laws and regulations of the jurisdiction where the client is located. This flexibility is essential because surplus lines insurance often implies risks that are not fully covered by standard insurance policies. However, to legally facilitate transactions or provide coverage across state lines, brokers must ensure compliance with the specific laws of the state in which the client resides or operates.

This approach acknowledges that while brokers have certain regulatory responsibilities in Georgia, the nature of insurance is inherently interconnected across state lines, allowing them to extend their services beyond Georgia's borders as long as they respect the legal frameworks that govern them in those areas. Understanding the obligation to comply with local laws is crucial for maintaining both ethical standards and legal protections in the insurance industry.