--- title: "New York Crime Insurance Guide" description: "How New York funds-transfer and computer-crime laws shape questions to ask about commercial crime coverage." canonical: "https://spot.insure/coverage/crime/new-york" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/crime/new-york) # New York Crime Insurance Guide New York applies UCC Article 4A rules to covered funds transfers; the security procedure in your bank agreement can affect whether an unauthorized payment order binds your account. Compare that rule with your crime policy’s funds-transfer and social-engineering coverage, and preserve records for prompt bank and law-enforcement notice. The computer-crime statute cited here is New York Penal Law § 156.05 (Unauthorized use of a computer); ask whether the policy covers the resulting loss separately from a deceptive payment instruction. The computer-crime statute cited here is New York Penal Law § 156.05 (Unauthorized use of a computer); ask whether the policy covers the resulting loss separately from a deceptive payment instruction.[^1][^2] **Coverage:** [Crime](/coverage/crime) · [New York](/coverage/states/new-york) ## What Is Crime? Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [Read the national Crime guide](/coverage/crime). ## What to Watch for in New York ### Review the Bank Security Procedure New York law uses UCC §§ 4-A-202 and 4-A-204, verified payment orders and refund for unauthorized orders. Ask your bank which call-back, token, dual-approval, or other verification steps apply to payment orders, and ask the agent whether the policy responds if a transfer follows a compromised account or spoofed instruction. Confirm the controlling sections with your banker: UCC §§ 4-A-202 and 4-A-204, verified payment orders and refund for unauthorized orders. Confirm the controlling sections with your banker: UCC §§ 4-A-202 and 4-A-204, verified payment orders and refund for unauthorized orders.[^1] ### Match Computer Crime to Policy Triggers New York separately criminalizes conduct under N.Y. Penal Law § 156.05. A criminal statute does not determine whether an insurer must pay your business, so ask the agent to distinguish unauthorized computer access, employee theft, fraudulent instructions, and funds-transfer fraud in the policy definitions and exclusions. The cited state provision is Unauthorized use of a computer; ask the underwriter to identify the matching insured loss trigger. The cited state provision is Unauthorized use of a computer; ask the underwriter to identify the matching insured loss trigger.[^2] ### Keep a State Reporting Route Ready Consumer issues, technology, finance and fraud complaint categories If a payment scam also affects a customer or vendor, save the instructions, emails, bank notices, and law-enforcement report, then use the New York Attorney General’s consumer-fraud route when the matter fits its remit; this complaint process does not replace prompt notice to your bank or insurer. The state's intake page is File a complaint at https://ag.ny.gov/file-complaint; keep its submission separate from notice to the bank and carrier. The state's intake page is File a complaint at https://ag.ny.gov/file-complaint; keep its submission separate from notice to the bank and carrier.[^3] ## Who Regulates Insurance in New York **New York State Department of Financial Services.** New York DFS supervises insurance companies and producers, administers insurance law and accepts consumer complaints about property and casualty policies, including commercial insurance.[^4][^5][^6][^7] - [Regulator website](https://www.dfs.ny.gov/) - [License lookup](https://myportal.dfs.ny.gov/nylinxext/elprsmain.alice) - [File a complaint](https://myportal.dfs.ny.gov/web/guest-applications/consumer-complaint) - Phone: 800-342-3736 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3.6% of gross premium, less returned premium; ELANY stamping fee is 0.15% through 2026 and 0.17% for policies incepting on/after Jan. 1, 2027 When New York is the insured’s home state, excess-line tax is 3.6% of gross premium less returned premium. ELANY’s September 20, 2026 bulletin sets a 0.15% stamping fee through December 31, 2026 and 0.17% for policies incepting on or after January 1, 2027; statutory search requirements and guaranty-fund protection depend on the applicable New York excess-line rules.[^8][^9][^10][^11] [Excess Line Association of New York](https://www.elany.org/) ## Providers With Documented State Licenses These providers publish a national listing for Crime; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in New York; [check the regulator’s license lookup](https://myportal.dfs.ny.gov/nylinxext/elprsmain.alice) and confirm state availability for your business when requesting a quote. - [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only.[^13] - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^14] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^17] ## Questions to Ask Before You Buy in New York 1. Which New York Article 4A security procedure does my bank apply to wire transfers, and could that agreement make me responsible for an order I did not intend? 2. Does this policy cover a loss caused by computer access prohibited by N.Y. Penal Law § 156.05, including access through a vendor or employee account? 3. Are social-engineering payment instructions, fraudulent wire transfers, employee theft, and computer fraud separate insuring agreements or sublimits? 4. If the incident affects a customer or vendor, which New York Attorney General or law-enforcement reporting channel should I use, and what documents should I retain? ## Crime in New York: FAQ ### Who pays for an unauthorized wire transfer in New York? It depends. UCC §§ 4-A-202 and 4-A-204, verified payment orders and refund for unauthorized orders governs relevant payment-order questions, including when a commercially reasonable security procedure can make an order effective and what notice duties apply. Ask your bank and agent how the account agreement and crime policy address the same transfer.[^1] ### Where can I report a payment scam in New York? The New York Attorney General provides file a complaint information for consumer fraud matters. A business should also notify its bank, insurer, and law enforcement promptly and retain transaction records. The filing page is File a complaint at https://ag.ny.gov/file-complaint. The filing page is File a complaint at https://ag.ny.gov/file-complaint.[^3] ## Crime in Other States - [Alabama](/coverage/crime/alabama) - [Alaska](/coverage/crime/alaska) - [Arizona](/coverage/crime/arizona) - [Arkansas](/coverage/crime/arkansas) - [California](/coverage/crime/california) - [Colorado](/coverage/crime/colorado) - [Connecticut](/coverage/crime/connecticut) - [Delaware](/coverage/crime/delaware) - [District of Columbia](/coverage/crime/district-of-columbia) - [Florida](/coverage/crime/florida) - [Georgia](/coverage/crime/georgia) - [Hawaii](/coverage/crime/hawaii) - [Idaho](/coverage/crime/idaho) - [Illinois](/coverage/crime/illinois) - [Indiana](/coverage/crime/indiana) - [Iowa](/coverage/crime/iowa) - [Kansas](/coverage/crime/kansas) - [Kentucky](/coverage/crime/kentucky) - [Louisiana](/coverage/crime/louisiana) - [Maine](/coverage/crime/maine) - [Maryland](/coverage/crime/maryland) - [Massachusetts](/coverage/crime/massachusetts) - [Michigan](/coverage/crime/michigan) - [Minnesota](/coverage/crime/minnesota) - [Mississippi](/coverage/crime/mississippi) - [Missouri](/coverage/crime/missouri) - [Montana](/coverage/crime/montana) - [Nebraska](/coverage/crime/nebraska) - [Nevada](/coverage/crime/nevada) - [New Hampshire](/coverage/crime/new-hampshire) - [New Jersey](/coverage/crime/new-jersey) - [New Mexico](/coverage/crime/new-mexico) - [North Carolina](/coverage/crime/north-carolina) - [North Dakota](/coverage/crime/north-dakota) - [Ohio](/coverage/crime/ohio) - [Oklahoma](/coverage/crime/oklahoma) - [Oregon](/coverage/crime/oregon) - [Pennsylvania](/coverage/crime/pennsylvania) - [Rhode Island](/coverage/crime/rhode-island) - [South Carolina](/coverage/crime/south-carolina) - [South Dakota](/coverage/crime/south-dakota) - [Tennessee](/coverage/crime/tennessee) - [Texas](/coverage/crime/texas) - [Utah](/coverage/crime/utah) - [Vermont](/coverage/crime/vermont) - [Virginia](/coverage/crime/virginia) - [Washington](/coverage/crime/washington) - [West Virginia](/coverage/crime/west-virginia) - [Wisconsin](/coverage/crime/wisconsin) - [Wyoming](/coverage/crime/wyoming) [Other Coverage in New York](/coverage/states/new-york) ## Sources [^1]: [New York Uniform Commercial Code Article 4-A](https://www.nysenate.gov/legislation/laws/UCC) — New York State Senate; UCC §§ 4-A-202 and 4-A-204, verified payment orders and refund for unauthorized orders. Accessed 2026-09-29. [^2]: [New York Penal Law § 156.05](https://www.nysenate.gov/legislation/laws/PEN/156.05) — New York State Senate; Unauthorized use of a computer. Accessed 2026-09-29. [^3]: [File a complaint](https://ag.ny.gov/file-complaint) — New York Attorney General; Consumer issues, technology, finance and fraud complaint categories. Accessed 2026-09-29. [^4]: [New York State Department of Financial Services](https://www.dfs.ny.gov/) — New York State Department of Financial Services; Official regulator homepage.. Accessed 2026-09-28. [^5]: [Who We Supervise](https://www.dfs.ny.gov/who_we_supervise) — New York State Department of Financial Services; DFS describes insurance oversight and provides links to company and producer searches.. Accessed 2026-09-28. [^6]: [Insurance License Search](https://myportal.dfs.ny.gov/nylinxext/elprsmain.alice) — New York State Department of Financial Services; DFS portal performs public insurance producer license searches; it displays a CAPTCHA to limit automated access.. Accessed 2026-09-28. [^7]: [Consumer Complaints](https://myportal.dfs.ny.gov/web/guest-applications/consumer-complaint) — New York State Department of Financial Services; Official portal files insurance complaints for health, life and property/casualty insurance.. Accessed 2026-09-28. [^8]: [New York Insurance Law §2118(d)(1)](https://www.nysenate.gov/legislation/laws/ISC/2118) — New York State Senate; Current statutory text: 3.6% of gross premiums less returned premium when New York is the insured’s home state.. Accessed 2026-09-28. [^9]: [ELANY Bulletin 2026-20: Notice of Change in Stamping Fee](https://www.elany.org/docs/default-source/bulletins/stamping-fee-change-09222026.pdf?sfvrsn=169bd4c3_3) — Excess Line Association of New York; September 20, 2026 bulletin: 0.17% applies to policies incepting from Jan. 1, 2027; endorsements on policies incepting Jan. 1, 2023–Dec. 31, 2026 retain 0.15%; excess-line tax remains 3.6%.. Accessed 2026-09-28. [^10]: [New York Insurance Law §2118](https://www.nysenate.gov/legislation/laws/ISC/2118) — New York State Senate; Excess-line broker duties and filing requirements; §2118(a) due care; exceptions should be applied only where statutory conditions are met.. Accessed 2026-09-28. [^11]: [New York Insurance Law §2118](https://www.nysenate.gov/legislation/laws/ISC/2118) — New York State Senate; Excess-line statutory duties and policies; source is used for placement context. No state-specific guaranty cap/note included.. Accessed 2026-09-28. [^12]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^13]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^14]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^15]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^16]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^17]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-29. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/crime/new-york.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)