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Cyber Liability Insurance in Georgia

The state-published 2024 Georgia Code assigns resident breach notice to defined information brokers and data collectors; a person or business maintaining computerized data for either has a separate 24-hour handoff duty when personal information was or is reasonably believed to have been acquired. A Georgia Department of Banking and Finance licensee must also send the Department a simultaneous duplicate for applicable-law notice of unauthorized access to records containing nonpublic personal information about a customer or potential customer, and the Department shall review covered security programs to the extent applicable. 1,3

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 Georgia

  • Resident Notice Has Defined Actors

    The state-published 2024 Code §10-1-912(a) names information brokers and data collectors that maintain computerized personal information. Section 10-1-911 defines an information broker as a person or entity that, for fees or dues, collects or communicates individual information primarily to furnish it to nonaffiliated third parties; a data collector is a state or local agency or subdivision, subject to listed exclusions. The official 2025 and 2026 enacted-statute indexes do not list §§10-1-911 or -912 as amended. Check whether your business fits the broker definition before treating the AG’s broader consumer-facing explanation as a complete statement of statutory scope. 1,2,4,5

  • Data Maintainers Have a Separate 24-Hour Handoff

    Section 10-1-912(b) separately requires a person or business maintaining computerized personal information on behalf of an information broker or data collector, which it does not own, to notify that broker or collector within 24 hours after discovery when the information was or is reasonably believed to have been acquired. If you rely on a service provider, identify who alerts the covered broker or public agency and how the 24-hour handoff is tracked. 1

  • AG Consumer Guidance Is Broader Than the Statutory Class

    The Georgia Attorney General’s consumer-education answer uses a retail-store scenario to explain that consumers should be notified when a business handling unencrypted personal information learns of a breach. The official 2024 Code names defined information brokers and data collectors; use the AG page as consumer-facing guidance, not proof that every business is a statutory notice actor. 2,1

  • Banking Licensees Send the Department a Duplicate

    Rule 80-3-1-.04(1) requires a licensee to simultaneously give the Department a duplicate of applicable federal or state notice about an information-security incident involving unauthorized access to a record with nonpublic personal information about a customer or potential customer. Subsection .04(2) also requires a licensee or affiliate to send a simultaneous duplicate when it must notify Georgia residents as an information broker under §10-1-912. Confirm licensee or affiliate status and assign the regulator copy with the affected customer notice. 3

  • Department Review Is Required to the Applicable Extent

    Rule 80-3-1-.05 requires licensees to maintain a security program for customer nonpublic personal information to the extent required by the federal Safeguards Rule. It says the Department shall review, to the extent applicable, licensees’ security programs, risk assessments, incident-response plans, and other required Safeguards Rule elements. Ask who can assemble those materials for examination. 3

Who Regulates Insurance in Georgia

Georgia Office of Commissioner of Insurance and Safety Fire

Georgia’s elected Insurance and Safety Fire Commissioner licenses and regulates insurance companies and insurance professionals, investigates insurance fraud, and oversees consumer complaint services. The Office’s state license lookup covers agents, agencies, and companies. 6,7,8

Surplus-lines tax and stamping office

Reported tax rate: 4% of total premium when Georgia is the home state Georgia charges 4% on the total premium written and received by a surplus-lines broker when Georgia is the insured’s home state. Current fee treatment is not described here because the Department’s latest fee bulletin could not be retrieved as readable text; ask your broker for the policy-declaration and tax breakdown. This record does not state a Georgia-specific guaranty-fund conclusion. 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 Georgia. 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 · 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 Georgia

  1. Does our business meet Georgia’s information-broker definition, or are we a service provider maintaining data for a broker?
  2. If we maintain data for an information broker or data collector, who sends the required alert within 24 hours after discovery?
  3. Are we or an affiliate a Georgia banking licensee, and who sends the Department a duplicate when applicable-law or broker notices go out?
  4. Who can assemble our Safeguards Rule security program, risk assessments, and incident-response plan for Department review?

Cyber Liability in Georgia: FAQ

Which businesses does Georgia’s breach-notification law cover? 1,2,4,5

The state-published 2024 Code names defined information brokers and data collectors. An information broker collects or communicates individual information primarily to furnish it to nonaffiliated third parties for fees or dues; a data collector is a state or local agency or subdivision, subject to statutory exclusions. The official 2025 and 2026 enacted-statute indexes do not list §§10-1-911 or -912 as amended. The Georgia AG’s consumer page is broader guidance and does not establish that every business is a statutory actor. 1,2,4,5

How quickly must a Georgia data maintainer alert an information broker? 1

Under the state-published 2024 Code, a person or business maintaining computerized personal information for an information broker or data collector, without owning it, must notify that broker or collector within 24 hours after discovery if the information was or is reasonably believed to have been acquired. 1

When must a Georgia banking licensee send a breach notice to the Department? 3

Rule 80-3-1-.04 requires a simultaneous duplicate when a licensee gives applicable-law notice of an information-security incident involving unauthorized access to customer or potential-customer nonpublic personal information. It separately requires a licensee or affiliate to send the duplicate with a Georgia resident notice it must provide as an information broker. 3

Can Georgia’s banking regulator review a licensee’s incident-response plan? 3

Yes. Rule 80-3-1-.05 says the Department shall review, to the extent applicable, a licensee’s security program, risk assessments, incident-response plans, and other required Safeguards Rule elements. 3

Cyber Liability in Other States

Other Coverage in Georgia

Sources

  1. 2024 Official Code of Georgia Annotated, Title 10, Volume 8. Georgia General Assembly; Official state-published 2024 Code, §§10-1-911(2)–(6), 10-1-912(a)–(d), Title 10 vol. 8 pp. 573–575 / PDF pp. 589–590. Accessed 2026-09-28.
  2. Getting Notified Following a Data Breach. Georgia Attorney General, Consumer Protection Division (Consumer Ed); Consumer guidance: retail-store scenario involving unencrypted personal information; read 2026-09-28. Accessed 2026-09-28.
  3. Georgia Comp. R. & Regs. r. 80-3-1-.04–.05 - Customer Information. Georgia Secretary of State, Rules and Regulations; Official current rule text, .04(1)–(2), .05; current compilation through September 2, 2026. Accessed 2026-09-28.
  4. Summary of General Statutes Enacted at the 2025 Session of the Georgia General Assembly. Georgia General Assembly, Legislative Services Committee / Office of Legislative Counsel; Index of code sections amended/enacted in 2025, Title 10, p. 67; §§10-1-911 and 10-1-912 are not listed. Accessed 2026-09-28.
  5. Summary of General Statutes Enacted at the 2026 Session of the Georgia General Assembly. Georgia General Assembly, Legislative Services Committee / Office of Legislative Counsel; Index of code sections amended/enacted in 2026, Title 10, p. 60; §§10-1-911 and 10-1-912 are not listed. Accessed 2026-09-28.
  6. Office of Commissioner of Insurance and Safety Fire. Georgia Office of Commissioner of Insurance and Safety Fire; Official homepage; regulator role, elected commissioner, complaint and license lookup links. Accessed 2026-09-28.
  7. Agents, Agencies and Licensing. Georgia Office of Commissioner of Insurance and Safety Fire; Official state license lookup for agents, agencies, and companies. Accessed 2026-09-28.
  8. Report Complaints & Fraud. Georgia Office of Commissioner of Insurance and Safety Fire; Consumer Services complaint instructions and official complaint portal. Accessed 2026-09-28.
  9. Non-Admitted Insurance: Premium Tax FAQs. Georgia Office of Commissioner of Insurance and Safety Fire; 4% applies to total broker-written and received premium when GA is home state. Accessed 2026-09-28.
  10. 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. 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. 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. 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. 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. 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. 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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