Author: Bonnie Ruszczyk

Georgia Insurance Commissioner John King Shares Key Insights on Tort Reform and the State’s Insurance Market

Tim Ramsey and Georgia Insurance Commissioner, John King

On June 18, the Atlanta Executive Forum (AEF) welcomed Georgia Insurance Commissioner John F. King for a discussion on recent changes in the state’s insurance industry. Moderated by Tim Ramsey, AEF is a business networking group dedicated to helping professionals build strong and sustainable relationships that support their business goals.

Commissioner King, who has served in law enforcement and public service for decades, provided updates on the 2025 tort reform, the current state of Georgia’s insurance market, and the industry’s response to recent natural disasters. Here are three key takeaways and what they mean for insurance clients:

Georgia’s Insurance Market: Stability and Accessibility

Commissioner King noted that Georgia’s insurance market remains stable and accessible, especially compared to states, like California and Florida, where regulatory and litigation challenges have led some insurers to reduce their presence. In Georgia, recent reforms and regulatory efforts have helped maintain a competitive environment, encouraging new insurers to enter the market and supporting consumer access to coverage, even as the region faces increasing risks from natural disasters like hurricanes and wildfires.

What this means for clients:

Georgia policyholders benefit from a broader selection of insurance options and relatively stable pricing. Ongoing efforts by the Commissioner’s office to attract and retain insurers help ensure continued market health.

2025 Tort Reform: Balancing Fairness and Stability

Commissioner King discussed the 2025 tort reform legislation, which was developed to address concerns about litigation costs and their impact on insurance rates. The new laws revise liability standards, introduce additional transparency measures, and seek to balance the needs of injured parties with the goal of reducing excessive or unpredictable legal costs.[1] Notably, the reforms address issues such as third-party litigation funding and clarify standards for premises liability. 

What this means for clients:

According to Commissioner King, these changes are expected to help moderate property-casualty insurance rates, with some estimates suggesting a 3–5% reduction over the next year.[2] For businesses and property owners, the reforms provide clearer legal standards and greater predictability, while still ensuring access to the courts for those with legitimate claims.

Consumer Protection and Accountability Remain Priorities

Commissioner King emphasized the ongoing priority of consumer protection. His office has worked to recover substantial funds for policyholders and continues to encourage consumers to report any concerns with insurance claims or practices. The Commissioner highlighted the importance of maintaining a fair environment for both consumers and insurers, with a focus on transparency and accountability.

What this means for clients:

Georgia insurance consumers can expect continued oversight of the industry and support from the Commissioner’s office in resolving disputes or addressing unfair practices.

Commissioner John King’s remarks reflect Georgia’s efforts to maintain a strong and resilient insurance market, implement balanced legal reforms, and protect consumers. As the state adapts to new challenges, both in the courtroom and from natural disasters, these measures are designed to support both business interests and consumer rights, helping to ensure a stable environment for all stakeholders.

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[1] https://gov.georgia.gov/press-releases/2025-04-21/gov-kemp-signs-historic-legislation-delivering-commonsense-meaningful

[2] https://www.insurancejournal.com/news/southeast/2025/04/25/821370.htm