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Cyber Liability Insurance in Florida

Florida’s breach statute gives covered entities no more than 30 days after determining a breach occurred or having reason to believe one occurred to notify affected Florida residents. A breach affecting at least 500 people in the state also requires Department of Legal Affairs notice within 30 days, and a third-party agent must alert the covered entity within 10 days of its own determination or reason to believe. 1

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 Florida

  • Thirty Days From Determination or Reason to Believe

    Florida requires notice to affected individuals as expeditiously as practicable and without unreasonable delay, but no later than 30 days after breach determination or reason to believe a breach occurred. A one-time 15-day extension may be requested for good cause in writing within the first 30 days; ask who sends that request and tracks approval. 1

  • The Department Filing Starts at 500

    A covered entity must notify the Florida Department of Legal Affairs when a breach affects 500 or more people in Florida; the filing is due as soon as practicable and within 30 days of determination or reason to believe. Align the state-filing workflow with resident notice and preserve the affected-state count. 1

  • Third-Party Agents Have Ten Days

    A third-party agent must notify the covered entity as soon as practicable and no later than 10 days after the agent determines, or has reason to believe, a breach occurred. The agent must provide information needed for the entity’s notices, and the entity remains exposed to a violation if its agent fails to give proper notice. 1

  • A No-Notice Decision Requires a Written Record

    A covered entity may withhold resident notice only if, after an appropriate investigation and consultation with relevant federal, state, or local law-enforcement agencies, it reasonably determines the breach has not and will not likely cause identity theft or other financial harm. Document the determination in writing, retain it for at least five years, and provide it to the Department within 30 days after the determination. Ask who owns the investigation, consultation, and filing. 1

  • Notice Violations Enter a State Enforcement Track

    Florida treats a breach-notice violation as an unfair or deceptive trade practice in an action by the Department of Legal Affairs. For resident-notice failures, the statute provides a tiered civil penalty capped at $500,000 per breach and says this section creates no private cause of action. Ask how the policy treats regulatory investigations and defense costs; the statute does not establish policy coverage. 1,2

Who Regulates Insurance in Florida

Florida Office of Insurance Regulation

The Florida Office of Insurance Regulation licenses and regulates insurance companies and reviews rates and forms. The Department of Financial Services separately licenses insurance agents and handles consumer insurance complaints; its resource page links to both state license searches. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 4.94% of gross premium plus a 0.03% FSLSO service fee for policies effective July 1, 2026 or later When Florida is the insured’s home state, Florida taxes the entire gross premium at 4.94%; the premium definition includes policy and similar insurance charges. The separate FSLSO service fee is 0.03% for policies effective July 1, 2026 or later. Surplus-lines policies do not receive Florida Insurance Guaranty Association protection. 6,7,8

Florida Surplus Lines Service Office

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 Florida. 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. 9
  • 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. 10
  • 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. 11
  • 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. 12
  • 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. 14
  • 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. 15

Questions to Ask Before You Buy in Florida

  1. Who tracks Florida’s 30-day notice deadline and, if needed, submits the written good-cause request for one 15-day extension?
  2. If at least 500 Florida residents are affected, does the service prepare the separate Department of Legal Affairs notice on the same timeline?
  3. Do vendor contracts require breach notice within Florida’s 10-day outside deadline and transfer all information we need to notify residents?
  4. Who signs, stores, and submits a written no-notice determination to the Department within 30 days?

Cyber Liability in Florida: FAQ

How long do Florida businesses have to notify residents after a breach? 1

No later than 30 days after determining a breach occurred or having reason to believe one occurred, subject to statutory delays. A single 15-day extension may be available for good cause if requested in writing within the initial 30 days. 1

When must Florida’s Department of Legal Affairs receive breach notice? 1

When a covered entity’s breach affects 500 or more individuals in Florida; notice is due as expeditiously as practicable and within 30 days of determination or reason to believe. 1

How quickly must a Florida vendor report a breach to the business that hired it? 1

As expeditiously as practicable and no later than 10 days after the vendor determines or has reason to believe a breach occurred; the vendor must supply information needed for the covered entity’s notices. 1

Can a Florida consumer sue a business just under the breach-notification statute? 1,2

No. Florida Statute § 501.171 says it does not establish a private cause of action; the Department of Legal Affairs may enforce violations as unfair or deceptive trade practices and the statute sets a tiered penalty for resident-notice failures. 1,2

Cyber Liability in Other States

Other Coverage in Florida

Sources

  1. 2026 Florida Statutes § 501.171 - Security of Confidential Personal Information. Florida Senate; 2026 operative text: § 501.171(1), (3)(a)–(b), (4)(a)–(c), (6)(a)–(b); 2026 ch. 52 amended (11)(d), not these notice provisions. Accessed 2026-09-28.
  2. 2026 Florida Statutes § 501.207 - Remedies of Enforcing Authority. Florida Senate; § 501.207(1)(a)–(c), enforcing-authority remedies referenced by § 501.171(9), 2026 text. Accessed 2026-09-28.
  3. Florida Office of Insurance Regulation. Florida Office of Insurance Regulation; Official regulator homepage; insurer regulation. Accessed 2026-09-28.
  4. Resources. Florida Office of the Insurance Consumer Advocate; State page links to DFS agent search and OIR active company search. Accessed 2026-09-28.
  5. Get Insurance Help. Florida Department of Financial Services; Insurance concern and formal complaint intake; consumer helpline. Accessed 2026-09-28.
  6. Florida Statutes § 626.932: Surplus lines tax. Florida Legislature; 4.94% tax on gross premium; home-state taxation; statutory definition of premium. Accessed 2026-09-28.
  7. FSLSO Bulletin 2026-02. Florida Surplus Lines Service Office; Service-fee rate effective July 1, 2026: 0.03%. Accessed 2026-09-28.
  8. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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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