--- title: "Cyber Liability Insurance in Connecticut" description: "Connecticut generally requires breach notice without unreasonable delay within 60 days, unless federal law requires a shorter period; SSN/TIN exposure can trigger at least two years of no-cost identity-theft services from the data owner or licensee." canonical: "https://spot.insure/coverage/cyber/connecticut" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- 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/cyber/connecticut) # Cyber Liability Insurance in Connecticut Connecticut’s breach-notice rule applies when a person owns, licenses, or maintains computerized data containing defined personal information that was not encrypted or otherwise rendered unreadable or unusable. After an appropriate investigation, no resident notice is required if the person reasonably determines harm is unlikely; otherwise notice is due without unreasonable delay and within 60 days after discovery unless a shorter period is required by federal law, subject to a law-enforcement hold and resumption when the agency says notice will not compromise the investigation. The Attorney General is notified by resident notice only when the resident-notice duty applies, and SSN/TIN exposure triggers at least 24 months of no-cost identity-theft services.[^3] **Coverage:** [Cyber liability](/coverage/cyber) · [Connecticut](/coverage/states/connecticut) ## 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](/coverage/cyber). ## What to Watch for in Connecticut ### Investigation and Law Enforcement Affect the 60-Day Clock Section 36a-701b covers unauthorized access to or acquisition of personal information only when it was not secured by encryption or another method that renders it unreadable or unusable. After an appropriate investigation, notice is not required if the person reasonably determines the breach is unlikely to harm affected individuals. Otherwise, notice is due without unreasonable delay and within 60 days after discovery unless a shorter period is required by federal law, subject to a law-enforcement determination and request; resume after the agency says notice will not compromise its investigation.[^3] ### Attorney General Notice Follows the Resident-Notice Duty Section 36a-701b requires Attorney General notice only when resident notice is required under subsection (b)(1), and by the time residents are notified. After an appropriate investigation, a reasonable determination that harm is unlikely removes the resident-notice duty; a law-enforcement determination and request can delay required notice until the agency says notice will not compromise its investigation. Track that decision and filing timing; failure to provide required AG notice violates CUTPA.[^3][^1] ### SSN or TIN Exposure Means Two Years of Services If a Connecticut resident’s Social Security number or taxpayer identification number was breached or is reasonably believed to have been breached, the person who owns or licenses the computerized data must offer appropriate identity-theft prevention services and, if applicable, identity-theft mitigation services at no cost for at least two years. The person must provide enrollment information and explain how to place a credit freeze; ask who identifies affected residents and delivers those instructions.[^3][^2] ### A Data Maintainer Must Alert the Owner A person maintaining computerized data it does not own must alert the owner or licensee immediately after discovering a breach involving a Connecticut resident’s information. Section 36a-701b(b) also assigns notice duties to any person owning, licensing, or maintaining covered data, so ask the vendor how its immediate handoff works with any direct notice duties it has.[^3] ### Qualifying HIPAA Procedures Change Resident Notice A person subject to and compliant with HIPAA and HITECH privacy and security standards is deemed compliant with § 36a-701b only subject to the statute’s retained duties: required HITECH resident notice must also go to the Attorney General by resident notice when § (b)(2)(A) otherwise requires it, and the person must meet § (b)(2)(B)’s identity-service duties. Ask whether your entity and incident meet those conditions before relying on this route.[^3] ### Policy and Regulator Procedures Can Satisfy Notice Rules Section 36a-701b(g) recognizes two procedure routes: a person’s own breach procedures maintained as part of an information-security policy, if the person otherwise meets the section’s timing requirements, and procedures maintained under rules or guidance of the person’s primary or functional regulator. Each route requires notice to the applicable residents, owners, or licensees under the relevant procedures; resident notice also requires notice to the Attorney General no later than the resident notice. Check which route applies and who handles that filing.[^3] ## Who Regulates Insurance in Connecticut **Connecticut Insurance Department.** The Connecticut Insurance Department licenses insurance producers and companies, oversees insurers and regulated insurance activity, and investigates insurance complaints. Its complaint and license-search services let you raise an issue or check an insurance professional or company.[^4][^5][^6] - [Regulator website](https://portal.ct.gov/cid) - [License lookup](https://portal.ct.gov/cid/licensing) - [File a complaint](https://portal.ct.gov/cid/file-a-complaint) - Phone: (800) 203-3447 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 4% of gross premium when Connecticut is the home state When Connecticut is the insured’s home state, surplus-lines tax is 4% of gross premium; certain state and local government insureds are exempt, and broker or policy fees are not part of the premium-tax base. Connecticut’s required notice says these policies are outside the state guaranty association. Most placements require three declinations or an export-list qualification; an exempt commercial purchaser may qualify for the federal § 8205 search exception after disclosure and a written request.[^7][^8][^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 that the product is available in Connecticut; [check the regulator’s license lookup](https://portal.ct.gov/cid/licensing) and confirm state availability for your business when requesting a quote. - [At-Bay](/insurance-providers/at-bay) — **Entity:** At-Bay Insurance Services LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** At-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] - [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.[^11] - [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.[^12] - [Hiscox](/insurance-providers/hiscox) — **Entity:** Hiscox Insurance Company Inc.; **role:** Insurer; **checked:** 2026-09-28. **Scope:** Hiscox’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] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’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] - [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.[^16] ## Questions to Ask Before You Buy in Connecticut 1. Who tracks the discovery date, checks whether federal law requires a shorter notice period, and coordinates resident and Attorney General deadlines? 2. If SSNs or TINs are exposed, does the response service arrange the required 24-month identity-theft services and provide enrollment instructions? 3. Which vendor contact must immediately alert us if computerized data we own is breached, and what direct notice duties apply to that maintainer? 4. Will the filing team submit a separate Attorney General form for each breach and retain its confirmation and case number? 5. Does our organization meet Connecticut’s HIPAA/HITECH conditions, including any retained Attorney General notice and SSN/TIN identity-service duties? 6. Does our own security policy or primary or functional regulator procedure qualify, and who sends the Attorney General notice if residents are notified? ## Cyber Liability in Connecticut: FAQ ### How quickly must a business notify Connecticut residents after a breach? Within 60 days after discovery and without unreasonable delay when notice is required, unless a shorter federal period applies, subject to a law-enforcement delay after an agency determination and request. Resume after the agency says notice will not compromise the investigation; an appropriate investigation can remove the duty if the person reasonably determines harm is unlikely. Notify later-identified residents as expeditiously as possible.[^3] ### Does Connecticut require a separate Attorney General breach notice? Yes, when resident notice is required under § 36a-701b(b)(1), and no later than resident notice. An appropriate investigation can remove that duty after a reasonable finding that harm is unlikely; a law-enforcement delay postpones required notices until the agency says notice will not compromise its investigation. Failure to send required AG notice violates CUTPA.[^3][^1] ### What identity-theft services must a Connecticut business offer after a breach? When a Connecticut resident’s Social Security number or taxpayer identification number was breached or is reasonably believed to have been breached, the person who owns or licenses the computerized data must offer appropriate identity-theft prevention services and, if applicable, identity-theft mitigation services at no cost for at least two years. The person must provide enrollment information and information on placing a credit freeze.[^3][^2] ### Can a Connecticut business use its HIPAA breach procedures instead of the state resident-notice rules? Yes, if the person is subject to and compliant with HIPAA/HITECH privacy and security standards and meets the statute’s retained conditions: required HITECH resident notice also goes to the Attorney General by resident notice when otherwise required, and § 36a-701b(b)(2)(B) identity-service duties still apply.[^3] ## Cyber Liability in Other States - [Alabama](/coverage/cyber/alabama) - [Alaska](/coverage/cyber/alaska) - [Arizona](/coverage/cyber/arizona) - [Arkansas](/coverage/cyber/arkansas) - [California](/coverage/cyber/california) - [Colorado](/coverage/cyber/colorado) - [Delaware](/coverage/cyber/delaware) - [District of Columbia](/coverage/cyber/district-of-columbia) - [Florida](/coverage/cyber/florida) - [Georgia](/coverage/cyber/georgia) - [Hawaii](/coverage/cyber/hawaii) - [Idaho](/coverage/cyber/idaho) - [Illinois](/coverage/cyber/illinois) - [Indiana](/coverage/cyber/indiana) - [Iowa](/coverage/cyber/iowa) - [Kansas](/coverage/cyber/kansas) - [Kentucky](/coverage/cyber/kentucky) - [Louisiana](/coverage/cyber/louisiana) - [Maine](/coverage/cyber/maine) - [Maryland](/coverage/cyber/maryland) - [Massachusetts](/coverage/cyber/massachusetts) - [Michigan](/coverage/cyber/michigan) - [Minnesota](/coverage/cyber/minnesota) - [Mississippi](/coverage/cyber/mississippi) - [Missouri](/coverage/cyber/missouri) - [Montana](/coverage/cyber/montana) - [Nebraska](/coverage/cyber/nebraska) - [Nevada](/coverage/cyber/nevada) - [New Hampshire](/coverage/cyber/new-hampshire) - [New Jersey](/coverage/cyber/new-jersey) - [New Mexico](/coverage/cyber/new-mexico) - [New York](/coverage/cyber/new-york) - [North Carolina](/coverage/cyber/north-carolina) - [North Dakota](/coverage/cyber/north-dakota) - [Ohio](/coverage/cyber/ohio) - [Oklahoma](/coverage/cyber/oklahoma) - [Oregon](/coverage/cyber/oregon) - [Pennsylvania](/coverage/cyber/pennsylvania) - [Rhode Island](/coverage/cyber/rhode-island) - [South Carolina](/coverage/cyber/south-carolina) - [South Dakota](/coverage/cyber/south-dakota) - [Tennessee](/coverage/cyber/tennessee) - [Texas](/coverage/cyber/texas) - [Utah](/coverage/cyber/utah) - [Vermont](/coverage/cyber/vermont) - [Virginia](/coverage/cyber/virginia) - [Washington](/coverage/cyber/washington) - [West Virginia](/coverage/cyber/west-virginia) - [Wisconsin](/coverage/cyber/wisconsin) - [Wyoming](/coverage/cyber/wyoming) [Other Coverage in Connecticut](/coverage/states/connecticut) ## Sources [^1]: [Report a Breach of Security Involving Computerized Data](https://portal.ct.gov/en/ag/general/report-a-breach-of-security-involving-computerized-data) — Connecticut Office of the Attorney General; Current Attorney General guidance: covered persons; 60-day notice; AG filing; identity services and CUTPA. Accessed 2026-09-28. [^2]: [Data Breach Report Submission Form](https://portal.ct.gov/AG/Data-Breach-Form/Data-Breach-Report-Submission-Form) — Connecticut Office of the Attorney General; Breach date fields; resident notification date; separate breach form; identity-theft services offer. Accessed 2026-09-28. [^3]: [Chapter 669 - Regulated Activities (current General Statutes text)](https://prdext3.cga.ct.gov/current/pub/chap_669.htm) — Connecticut General Assembly; Conn. Gen. Stat. § 36a-701b(a)–(k); (b)(1) shorter federal period; (b)(2)(B) owner/licensee identity-theft service duty; (g) own-policy and primary/functional-regulator procedures; (h) HIPAA/HITECH route; current chapter notes 2026 supplement revised January 1, 2026. Accessed 2026-09-28. [^4]: [Connecticut Insurance Department](https://portal.ct.gov/cid) — Connecticut Insurance Department; Official Department homepage; mission and department resources. Accessed 2026-09-28. [^5]: [Licensing](https://portal.ct.gov/cid/licensing) — Connecticut Insurance Department; Department licensing resource landing page; links to state agent and company license lookup. Accessed 2026-09-28. [^6]: [Ask a Question or File a Complaint](https://portal.ct.gov/cid/file-a-complaint) — Connecticut Insurance Department; Online complaint form and consumer affairs helpline. Accessed 2026-09-28. [^7]: [FAQs: Surplus Lines Brokers](https://portal.ct.gov/cid/licensing/licensing-resource-library/faqs---surplus-lines-brokers) — Connecticut Insurance Department; Current tax rate, tax base and exemptions, diligent-search rules, guaranty-fund notice. Accessed 2026-09-28. [^8]: [FAQs: Surplus Lines Brokers](https://portal.ct.gov/cid/licensing/licensing-resource-library/faqs---surplus-lines-brokers) — Connecticut Insurance Department; Question on surplus-lines notice states Connecticut Insurance Guaranty Association does not cover these policies. Accessed 2026-09-28. [^9]: [15 U.S.C. § 8205: Streamlined application for commercial purchasers](https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A8205+edition%3Aprelim%29) — 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]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [Licenses](https://www.nextinsurance.com/insurance-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. [^15]: [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. [^16]: [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 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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