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Cyber Liability Insurance in Arizona

Arizona’s law covers persons doing business in the state who own, maintain, or license qualifying unencrypted, unredacted computerized personal information; a breach requires unauthorized access and acquisition that materially compromises a multi-person database. After an investigation determines that a breach occurred, an owner or licensee has 45 days to notify affected Arizona residents. When notice is required for more than 1,000 individuals, the three largest nationwide consumer reporting agencies, Attorney General, and Department of Homeland Security director also receive notice; federal-regulator compliance and GLBA/HIPAA provisions affect applicability. 1,3,2

What Is Cyber Liability?

Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. Read the national Cyber liability guide.

What to Watch for in Arizona

  • The 45 Days Start at Your Determination

    Arizona’s 45-day period begins after the investigation determines a security-system breach occurred; it does not start simply when you first see suspicious activity. Ask your response provider to record the determination date and show how that decision reaches the notice team. 1

  • Large Breaches Trigger Three Extra Notices

    If qualifying notice is required for more than 1,000 individuals, Arizona requires notice to the three largest nationwide consumer reporting agencies, the Attorney General, and the Department of Homeland Security director. The article also has a federal-regulator compliance route and GLBA/HIPAA exclusions, so confirm which rules apply to your entity before assigning filings. 1,2

  • A No-Notice Decision Needs an Investigation

    Arizona permits no notice when a reasonable investigation finds that the breach did not cause and is not reasonably likely to cause substantial economic loss to affected individuals. The statute allows the business, an independent forensic auditor, or law enforcement to make that determination; ask who will document it. 1

  • Arizona Lists Required Notice Details

    When resident notice is required, Arizona requires the approximate breach date, a brief description of the information involved, toll-free numbers and addresses for the three largest nationwide consumer reporting agencies, and the toll-free number, address, and website of the FTC or another federal identity-theft agency. Ask who checks each notice against that list. 1

Who Regulates Insurance in Arizona

Arizona Department of Insurance and Financial Institutions

Arizona DIFI regulates insurance companies and insurance professionals, including producers and surplus-lines brokers. Its license search covers both individual or business licensees and insurance companies, and its complaint page explains how to file with the Department. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 3% of gross premium and taxable policy fees, less returns; stamping fee rate not verified When Arizona is the insured’s home state, the tax is 3% of gross premium and taxable policy fees, less returned premium; the statute excludes stamping fees from that tax base. For a multistate risk, Arizona’s share is allocated by exposure under the statute. Arizona's surplus-lines policy notice says these policies do not receive guaranty-fund protection. Current stamping-fee amount was not independently confirmed from readable current evidence and is omitted. 7,9,11,12

The Surplus Line Association of Arizona

  • Arizona has an exempt-commercial-purchaser search exception: A surplus-lines broker generally must make diligent effort to place an Arizona risk in the admitted market. For an exempt commercial purchaser, federal law removes that search only after the broker discloses the admitted-market protection difference and the purchaser then asks in writing for nonadmitted coverage. 8,10

Providers With Documented State Licenses

These providers publish a national listing for Cyber liability; 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 the product is available in Arizona. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • At-BayAt-Bay Insurance Services LLCInsurance producer, Surplus-lines broker · checked 2026-09-28At-Bay’s license page lists P&C producer and surplus-lines broker license numbers for all 50 states and the District of Columbia. These are company disclosures and do not establish product availability in each jurisdiction. 13
  • CoalitionCoalition Insurance Solutions, Inc.Insurance producer, Surplus-lines broker · checked 2026-09-28Coalition’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. 14
  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’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. 15
  • HiscoxHiscox Insurance Company Inc.Insurer · checked 2026-09-28Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. 16
  • RisklyticsRisklytics, Inc.Insurance producer · checked 2026-09-28Risklytics’ licensing page lists its Massachusetts resident agency license plus state license records in Arizona, Colorado, Illinois, Indiana, New Jersey, Ohio, Texas and Washington; it identifies the NPN record date as September 10, 2026. This list is company-published and not a product availability map. 18
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 19
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’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. 20

Questions to Ask Before You Buy in Arizona

  1. How does the response team record the date Arizona’s 45-day period begins?
  2. If more than 1,000 people need notice, does the service cover all Arizona and consumer-reporting-agency filings?
  3. Who documents a decision that the breach is not reasonably likely to cause substantial economic loss?
  4. Does the notice service provide the toll-free numbers and mailing addresses for all three largest nationwide consumer reporting agencies, plus the required federal agency website and contact details?

Cyber Liability in Arizona: FAQ

How long do we have to notify people after a data breach in Arizona? 1,3

Within 45 days after the investigation determines that a breach occurred, if the statutory conditions are met: the covered person conducts business in Arizona and owns, maintains, or licenses qualifying unencrypted, unredacted computerized personal information, and an affected individual is an Arizona resident. A law-enforcement delay may apply. 1,3

When must we notify Arizona agencies about a data breach? 1,2

When qualifying statutory notice is required for more than 1,000 individuals. The three largest nationwide consumer reporting agencies, Arizona Attorney General, and Department of Homeland Security director are the recipients; federal-regulator compliance and specified GLBA/HIPAA provisions affect applicability. 1,2

Can we avoid notifying people after an Arizona breach? 1

Only if a reasonable investigation determines the breach did not cause and is not reasonably likely to cause substantial economic loss to affected people. 1

Cyber Liability in Other States

Other Coverage in Arizona

Sources

  1. Arizona Revised Statutes § 18-552 - Notification of Security System Breaches. Arizona State Legislature; § 18-552(B), (J), (E). Accessed 2026-09-28.
  2. Arizona’s Data-Breach Notification Law FAQ. Arizona Attorney General’s Office; Data-breach FAQ, notification requirements. Accessed 2026-09-28.
  3. Arizona Revised Statutes § 18-551 - Definitions. Arizona State Legislature; § 18-551(1), (4), (7), (11): breach, resident, personal information and specified data elements. Accessed 2026-09-28.
  4. Arizona Department of Insurance and Financial Institutions. Arizona Department of Insurance and Financial Institutions; Official agency homepage. Accessed 2026-09-28.
  5. License Search. Arizona Department of Insurance and Financial Institutions; Search for individual or business licensees and insurance companies; insurer surplus-lines eligibility links. Accessed 2026-09-28.
  6. File a Complaint. Arizona Department of Insurance and Financial Institutions; Department complaint information and filing destinations. Accessed 2026-09-28.
  7. A.R.S. § 20-416: Tax on surplus lines. Arizona State Legislature; Subsection C sets the surplus-lines tax at 3% of gross premiums and requires the broker to collect it from the insured. Accessed 2026-09-28.
  8. Arizona House Bill 2111, Chapter 38. Arizona Legislature; Arizona House Bill 2111 (amending § 20-408) and current A.R.S. § 20-410 policy notice; see statutory notice. Accessed 2026-09-28.
  9. 15 U.S.C. § 8205: Streamlined application for commercial purchasers. U.S. House of Representatives, Office of the Law Revision Counsel; Broker's due-diligence search exception for an exempt commercial purchaser requires prior disclosure that admitted-market insurance may offer greater protection/regulatory oversight and the purchaser's subsequent written request for nonadmitted placement. Accessed 2026-09-28.
  10. A.R.S. § 20-410: Validity, disclosure, policy fees. Arizona State Legislature; Subsection B requires surplus-lines notices to state insureds/claimants are ineligible for Arizona guaranty-fund protection for both foreign and domestic surplus-lines insurers; subsection C says taxes under § 20-416 apply to broker service fees. Accessed 2026-09-28.
  11. 15 U.S.C. § 8202: Regulation of nonadmitted insurance by insured's home State. U.S. House of Representatives, Office of the Law Revision Counsel; § 8202(a): nonadmitted placement is subject solely to insured's home-State requirements, except as otherwise provided; § 8201 addresses exclusive home-State tax authority. Accessed 2026-09-28.
  12. 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. 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. 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. 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. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  17. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  18. Insurance Licenses by State. 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.
  19. 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 .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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