Georgia premium finance company bonds.
$250 flat.
Georgia licenses insurance premium finance companies through the Office of the Commissioner of Insurance and Safety Fire, and O.C.G.A. § 33-22-5 requires each licensee to deposit $25,000 in securities with the Commissioner or file a $25,000 surety bond instead. Ours is $250 flat.
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How much does a Georgia premium finance company bond cost?
$250 at the $25,000 amount, the same for every applicant.
Three steps. One sitting.
Premium finance license bonds are among the simplest filings in surety. Here's the entire process:
Apply online
Business details, an effective date, and a term. That is the application. No credit check.
Pay & e-sign
This bond is checkout-priced at $250 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File with the Insurance Commissioner
Your executed bond arrives by email, ready to file with your premium finance company license at the Office of the Commissioner of Insurance and Safety Fire. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Georgia regulates insurance premium finance companies under Chapter 22 of Title 33 — the companies that advance an insurance premium for a Georgia insured and collect it back in installments. As a solvency safeguard, O.C.G.A. § 33-22-5 requires each licensee to deposit $25,000 in securities acceptable to the Commissioner — or file a $25,000 surety bond in its place, which keeps your capital working instead of parked with the state.
It's a three-party arrangement: you (the principal), the surety carrier, and the State of Georgia through its Insurance Commissioner (the obligee). The bond stands behind your compliance with the premium finance law — the licensing, disclosure, and refund rules that protect insureds who finance their premiums through you.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond has to stay continuously on file as long as you hold the license; we track the term and send renewal notices 60 and 30 days out.
You need this bond if you're
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the $25,000 bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose; a longer term is the same price per year, chosen at checkout.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
File with the Insurance Commissioner. Your executed bond arrives by email, ready to file with your premium finance company license at the Office of the Commissioner of Insurance and Safety Fire. Wet-ink original mailed on request.
What sets the price
The premium is fixed at $250 at the $25,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
No credit check.
One application, issued instantly.
These are the actual issuing fields — business details, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Georgia bonds.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
Finish your premium finance license today.
$250 flat, issued the moment you pay, no credit check. Free until issued.