State	Exemption	Exempt Policyholder Criteria	Other Provisions
Georgia Effective 1/11/99 Rate only	Insurers not required to use filed manual rates, rating plans, rating systems or underwriting rules for large risks. Insurers may depart from manual rates for large commercial risks.	Must meet all listed criteria: --at least 25 employees --at least $3M in assets --at least $5M in revenues --annual p/c premium of $100K for in-state risks or $500K for multi-state risks.	Policies must include disclaimer. Commissioner may suspend regulation if sufficient competition does not exist. Excludes primary/excess workers comp and E&O insurance, including med mal.

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