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Cyber Liability Insurance in Arkansas

Arkansas’s amended breach statute ties its Attorney General filing clause for breaches affecting more than 1,000 individuals to the person or business required to disclose under subsection (b)(1)—a maintainer of data it does not own. That filing is due with affected-person notice or within 45 days after determining a reasonable likelihood of harm to customers, whichever comes first, while the Attorney General’s general guidance describes reporting more broadly; the two texts do not resolve the filer’s scope. The law also requires a written breach determination and supporting documentation to be retained for five years. 1,2

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 Arkansas

  • A Harm Finding Starts the State-Filing Clock

    For a breach affecting more than 1,000 individuals, § 4-110-105(b)(2) directs the Attorney General filing to the person or business required to disclose under (b)(1), which describes a data maintainer notifying an owner or licensee. The clause does not clearly extend that filing duty to every data owner, while the Attorney General’s general guidance is broader. Ask counsel or the Attorney General to resolve who files for your data arrangement; do not assume the contract alone settles the statutory question. 1

  • Keep the Investigation File for Five Years

    For a breach determination under § 4-110-105, Arkansas requires a written determination and supporting documentation to be kept for five years. Ask whether your incident team preserves the determination and supporting material in a form your business can retrieve later. 1,2

  • The Attorney General Can Request Records

    After a written request from the Arkansas Attorney General, you must send the breach determination and supporting documentation within 30 days. Check that your policy’s response support includes retrieving and preparing those records on that timetable. 1,2

  • Biometric Data Is Included in the Definition

    For a qualifying Arkansas personal-information record and breach, § 4-110-103(7)(E) includes biometric data generated by automatic measurements of biological characteristics, listing fingerprints, faceprints, retinal or iris scans, hand geometry, voiceprint analysis, and DNA. Only the residual category of other unique biological characteristics is limited to those used to uniquely authenticate someone accessing a system or account. If you store biometrics, ask whether your incident inventory captures these statutory examples and how they are used. 1

Who Regulates Insurance in Arkansas

Arkansas Insurance Department

The Arkansas Insurance Department licenses resident and nonresident producers and business entities, accepts insurance complaints, and provides links to company and producer license searches. It operates as a division of the Arkansas Department of Commerce. 3,4,8,5

Surplus-lines tax and stamping office

Reported tax rate: 4% when Arkansas is the insured's home state Arkansas's broker filing instructions set a 4% surplus-lines tax. Federal law assigns nonadmitted-insurance regulation and tax to the insured’s home state; for a multistate policy, ask your broker to show the home state and the premium allocation used for the Arkansas filing. Arkansas law requires the contract to disclose that the state's property-and-casualty guaranty protection does not apply. 6,7,9

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 Arkansas. 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. 10
  • 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. 11
  • 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. 12
  • 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. 13
  • 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. 15
  • 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. 16

Questions to Ask Before You Buy in Arkansas

  1. How does the response team record when we determine that harm to Arkansas customers is reasonably likely?
  2. Will the policy pay for retrieving and producing our five-year breach file if the Arkansas Attorney General asks for it?
  3. Does the notice service account for the Attorney General filing being due with consumer notice or within 45 days, whichever comes first?
  4. Does our incident inventory distinguish listed biometric identifiers from other biological measurements, and record whether those other measurements authenticate account or system access?

Cyber Liability in Arkansas: FAQ

When must we notify the Arkansas Attorney General about a breach? 1

The statute’s § 4-110-105(b)(2) cross-reference assigns the over-1,000 filing clause to the person or business required under (b)(1), a data maintainer notifying the owner or licensee. The Attorney General’s general guidance is broader and does not reconcile that text, so the filer’s scope remains unresolved for owner-held data. 1

How long must a business keep Arkansas breach records? 1,2

Five years. Arkansas requires a written breach determination and its supporting documentation to be retained for that period. 1,2

Does Arkansas include biometric information in its breach law? 1

Yes, when the biometric data is part of a qualifying Arkansas personal-information record involved in a covered breach. The statute lists biometric data from automatic measurements, including fingerprints, faceprints, retinal or iris scans, hand geometry, voiceprint analysis, and DNA; its residual category is limited to unique biological traits used for authentication to a system or account. 1

Cyber Liability in Other States

Other Coverage in Arkansas

Sources

  1. Act 1030 of 2019 - Arkansas Personal Information Protection Act Amendments. Arkansas General Assembly; Act 1030 of 2019, §§1-3, amending Ark. Code §§4-110-103(7)(E), 4-110-105(b), (g). Accessed 2026-09-28.
  2. Security or Data Breach. Arkansas Attorney General; Security or Data Breach page. Accessed 2026-09-28.
  3. Arkansas Insurance Department. Arkansas Insurance Department; Official agency homepage. Accessed 2026-09-28.
  4. Licensing. Arkansas Insurance Department; Licensing Division guidance and state-based systems lookup for Arkansas agent and agency licensees. Accessed 2026-09-28.
  5. File A Complaint. Arkansas Insurance Department; Online complaint filing for insurance providers, including agents and companies. Accessed 2026-09-28.
  6. Surplus Lines Brokers Filing. Arkansas Insurance Department; Current broker filing instructions state that 4% broker tax must be remitted. Accessed 2026-09-28.
  7. 23 CAR § 201-104: Endorsement of contract. Arkansas Code of Rules; Required surplus-lines contract disclosure: no Arkansas P&C Guaranty Act protection and 4% tax collected from insured. Accessed 2026-09-28.
  8. 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.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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.
  15. 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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