Insurance advisory in Georgia is grounded in precise knowledge of the framework within which an insurance contract is concluded, amended and terminated — and at the centre of that framework stand Articles 800, 805, 808 and 809 of the Civil Code. This page explains who may act as the policyholder's representative and what powers that person holds, when an insurer is obliged to conclude the contract at all, and which information the policyholder must supply. Licensing-heavy regulatory models familiar from foreign insurance markets are not replicated in Georgia's civil-law framework — the page is carried entirely by the Georgian Civil Code.
The insurance agent and the agent's powers
Article 805 of the Civil Code defines the boundaries of representation. If an insurance agent — a representative — is authorised to conclude an insurance contract, the agent may also amend the terms of the contract, extend its term or terminate it. The agent's authority is therefore not confined to a single act: the power to conclude carries with it the ability to vary, prolong and dissolve. Under the second part of the same article, an insurance agent who performs the function of an intermediary in the conclusion of an insurance contract has the right to conclude such a contract. At the advisory level this raises two practical questions: whether the agent's function — representation or intermediation — has been made clear, and whether the specific transaction falls within the scope of the conferred authority.