Where to find excess & surplus lines insurance in Forsyth County, Georgia?

Excess & Surplus (E &S) insurance is a specialty market that insures property that standard (admitted) carriers won’t cover. Because E&S insurers are non-admitted in Georgia, the insurer does not necessarily need to comply with state insurance regulations. Two other things to consider

  • If the insurer becomes insolvent, there is no guarantee that claims will be paid.
  • If the policyholder think their claim/policy was handled improperly, they can’t appeal to Georgia’s department of insurance.

Things to think about include but aren’t limited to

  • liability exclusions or limitations for dog bites, swimming pools, and trampolines.
  • actual cash value coverage for roof claims and personal property claims.
  • limited billing options or expensive premium financing if you cannot pay in full.

If you’ve been non-renewed in Georgia, and can’t find coverage with an admitted carrier, consider an E&S insurer before self insuring. Remember, an E&S policy won’t offer you the same coverage terms as your expiring policy so be careful to review the policy with your local independent insurance agent.

Would You Like Us To Review Your Policies?

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at The Rhoads Group Insurance Agents is here and ready to make the process as painless as possible. We look forward to meeting you!

Call Email Facebook Payments