100+ Free Georgia Surplus Lines Practice Questions

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Which of the following risks would most likely require surplus lines placement in Georgia?

Standard commercial general liability for a small office

Standard homeowners insurance in a suburban development

Environmental cleanup liability for a former industrial site

Basic auto insurance for a family vehicle

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Free Surplus Lines Insurance Practice Test by State 2026: 2,300+ Questions22 min read

2026 Statistics

Key Facts: Georgia Surplus Lines Exam

65-75%

First-Time Pass Rate

Industry Data

70%

Passing Score

Georgia Insurance Commissioner

Exam Questions

60 scored + 5 pretest

~1 hour

Exam Duration

Pearson VUE

$64

Exam Fee

Pearson VUE

P&C License Required

Prerequisite

Georgia Insurance Commissioner

The GA surplus lines broker exam has 60 scored questions plus 5 pretest questions (65 total) with approximately 1 hour to complete and a 70% passing score. Candidates must hold an active Georgia property and casualty (P&C) license. Georgia imposes a 4% surplus lines premium tax.

Sample Georgia Surplus Lines Practice Questions

Try these sample questions to test your Georgia Surplus Lines exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1What is the primary purpose of the surplus lines market in Georgia?

A.To provide coverage for risks that admitted carriers cannot or will not insure

B.To offer lower premiums than Georgia's admitted carriers

C.To replace the Georgia Insurers Insolvency Pool

D.To provide government-backed coverage for all Georgians

Explanation: The surplus lines market in Georgia exists to provide coverage for risks that admitted (standard) carriers are unable or unwilling to insure. This includes unusual, complex, or hard-to-place risks that do not fit standard underwriting guidelines. The surplus lines market is a critical safety valve ensuring coverage availability.

2What prerequisite license must a Georgia surplus lines broker hold?

A.A life and health insurance license

B.A property and casualty (P&C) insurance license

C.A title insurance license

D.A real estate license

Explanation: In Georgia, an applicant for a surplus lines broker license must hold an active property and casualty (P&C) insurance license. This prerequisite ensures that surplus lines brokers have a solid foundation in insurance principles, coverages, and regulatory requirements before entering the specialized surplus lines market.

3What is the format of the Georgia surplus lines broker exam?

A.40 questions with a 30-minute time limit

B.60 scored questions plus 5 pretest questions with approximately 1 hour

C.100 questions with a 3-hour time limit

D.25 questions with a 45-minute time limit

Explanation: The Georgia surplus lines broker exam consists of 60 scored questions plus 5 pretest (unscored) questions for a total of 65 questions, with approximately 1 hour to complete. A score of 70% on the scored questions is required to pass. The exam is administered by Pearson VUE.

4What must a Georgia surplus lines broker do before placing coverage with a non-admitted insurer?

A.Obtain written approval from the Georgia Insurance Commissioner

B.Conduct a diligent search of the admitted market

C.File the application with the Georgia Surplus Lines Association

D.Obtain a bond in the amount of the policy premium

Explanation: Georgia law requires surplus lines brokers to conduct a diligent search of the admitted market before placing coverage with a non-admitted insurer. This ensures that the surplus lines market is used appropriately — only when the standard admitted market cannot provide the needed coverage.

5What is the Georgia surplus lines premium tax rate?

A.2%

B.3%

C.4%

D.5%

Explanation: Georgia imposes a 4% surplus lines premium tax on surplus lines transactions. The surplus lines broker is responsible for collecting this tax from the insured and remitting it to the state. This tax applies to the gross premium charged for the surplus lines coverage.

6Which Georgia state agency regulates surplus lines insurance?

A.Georgia Department of Revenue

B.Georgia Office of Insurance and Safety Fire Commissioner

C.Georgia Secretary of State

D.Georgia Department of Community Affairs

Explanation: The Georgia Office of Insurance and Safety Fire Commissioner (also known as the Georgia Insurance Commissioner's Office) regulates surplus lines insurance in the state. This office oversees licensing of surplus lines brokers, maintains the eligible insurer list, enforces compliance, and takes disciplinary action when violations occur.

7What is Lloyd's of London?

A.A single insurance company based in London

B.A marketplace where syndicates of underwriters accept risk

C.A British government insurance program

D.A reinsurance brokerage firm

Explanation: Lloyd's of London is a marketplace where individual syndicates of underwriters pool and spread risk. It is not a single insurance company. Lloyd's syndicates are among the most prominent participants in the surplus lines market, providing capacity for complex and specialty risks worldwide, including in Georgia.

8Are Georgia surplus lines policyholders protected by the Georgia Insurers Insolvency Pool?

A.Yes, all policyholders are covered

B.No, surplus lines policies are excluded from guaranty fund protection

C.Only if the premium exceeds $50,000

D.Only for personal lines surplus lines policies

Explanation: Policyholders of surplus lines (non-admitted) insurers in Georgia are not protected by the Georgia Insurers Insolvency Pool (the state's guaranty fund). If a surplus lines insurer becomes insolvent, the policyholder must pursue recovery through the insurer's insolvency proceeding. This is a key risk that must be disclosed to the insured.

9What is the Nonadmitted and Reinsurance Reform Act (NRRA)?

A.A Georgia-specific law governing surplus lines

B.A federal law establishing that the home state of the insured has sole surplus lines regulatory authority

C.An NAIC model regulation for reinsurance

D.A Lloyd's of London governing document

Explanation: The NRRA, enacted as part of the Dodd-Frank Act in 2010, is a federal law establishing that only the home state of the insured has regulatory authority over surplus lines transactions, including the sole right to tax. This simplified the previously complex multi-state regulation and taxation of surplus lines placements.

10What is the exam fee for the Georgia surplus lines broker exam?

A.$44

B.$64

C.$88

D.$100

Explanation: The Georgia surplus lines broker exam fee is approximately $64, payable to Pearson VUE when scheduling the exam. This is the exam administration fee and is separate from any license application fees charged by the Georgia Insurance Commissioner's Office.

About the Georgia Surplus Lines Exam

The Georgia Surplus Lines Broker exam tests knowledge of surplus lines markets, GA-specific surplus lines law under Title 33, diligent search requirements, eligible insurer standards, the 4% premium tax, NRRA provisions, and compliance obligations for brokers placing insurance with non-admitted carriers in Georgia.

Questions

65 scored questions

Time Limit

~1 hour

Passing Score

70%

Exam Fee

$64 (Pearson VUE / Georgia Office of Insurance and Safety Fire Commissioner)

Georgia Surplus Lines Exam Content Outline

30%

Surplus Lines Markets

Lloyd's of London, London market, alien insurers, E&S carrier operations, managing general agents, wholesale distribution, market cycles, and subscription policies

25%

Georgia Surplus Lines Law

Title 33 provisions, Insurance Commissioner authority, licensing requirements, broker obligations, commission sharing, and enforcement actions

20%

Diligent Search & Eligibility

Diligent search requirements, documentation, declinations, eligible insurer lists, NAIC IID Quarterly Listing, financial requirements, and export list provisions

25%

Taxation & Compliance

4% premium tax calculation and remittance, NRRA home state taxation, record-keeping, annual filings, disclosure requirements, and guaranty fund exclusion

How to Pass the Georgia Surplus Lines Exam

What You Need to Know

Passing score: 70%
Exam length: 65 questions
Time limit: ~1 hour
Exam fee: $64

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

Georgia Surplus Lines Study Tips from Top Performers

1Master Georgia's 4% surplus lines premium tax rate and practice calculating tax on various premium amounts

2Understand the diligent search requirement and what documentation must be maintained for each placement

3Know the disclosure requirements — insureds must be told the insurer is non-admitted and not covered by the guaranty fund

4Study the NRRA's home state provisions and how they affect multi-state surplus lines taxation

5Learn the Georgia Insurance Commissioner's enforcement authority including fines and license suspension

6Review the prerequisite of holding an active Georgia property and casualty (P&C) license

Frequently Asked Questions

What are the prerequisites for the Georgia surplus lines broker exam?

You must hold an active Georgia property and casualty (P&C) insurance license. There is no mandatory pre-licensing course for the surplus lines exam. You must pass with 70% or higher. The exam fee is approximately $64.

What is the Georgia surplus lines premium tax rate?

Georgia imposes a 4% surplus lines premium tax on gross premiums. The surplus lines broker is responsible for collecting this tax from the insured and remitting it to the state according to the required filing schedule.

Which agency regulates surplus lines in Georgia?

The Georgia Office of Insurance and Safety Fire Commissioner (Insurance Commissioner's Office) regulates surplus lines insurance. This office handles broker licensing, maintains the eligible insurer list, enforces compliance, and takes disciplinary action for violations.

Are surplus lines policyholders protected by Georgia's guaranty fund?

No. Policyholders of surplus lines (non-admitted) insurers are excluded from the Georgia Insurers Insolvency Pool. If a surplus lines insurer becomes insolvent, the policyholder must pursue recovery through the insurer's insolvency proceeding. This risk must be disclosed.

How many questions are on the Georgia surplus lines broker exam?

The GA surplus lines exam has 65 questions total: 60 scored and 5 pretest (unscored). You have approximately 1 hour to complete the exam and need 70% on the scored questions to pass. The exam is administered by Pearson VUE.

What topics are covered on the Georgia surplus lines broker exam?

The exam covers surplus lines markets and operations, Georgia surplus lines law (Title 33), diligent search requirements, eligible insurer standards, the 4% premium tax, NRRA provisions, record-keeping, disclosure requirements, and compliance obligations for surplus lines brokers.