Under Georgia's Surplus Lines Insurance Law (Article 2 of Chapter 5 of Title 33, O.C.G.A. §§ 33-5-20 et seq.), a Georgia-licensed surplus lines broker may place coverage with an eligible non-admitted insurer only after:

Why this is the answer

Under O.C.G.A. § 33-5-21(a), surplus line insurance may be procured from an unauthorized insurer only through a licensed surplus line broker, only from an insurer meeting the financial requirements of § 33-5-25, and only after the insured or the insured's agent has tried to obtain the coverage from authorized insurers without obtaining coverage satisfactory to the insured. Under § 33-5-21(b), no due diligence search is required for an exempt commercial purchaser who has been told the coverage may be available in the admitted market and asks in writing for a nonadmitted placement. The statute has no Commissioner waiver and fixes no number of declinations.