--- title: "Cyber Liability Insurance in Kentucky" description: "Kentucky’s private-sector notice law is limited to qualifying unencrypted data and requires CRA coordination above 1,000 people." canonical: "https://spot.insure/coverage/cyber/kentucky" 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/kentucky) # Cyber Liability Insurance in Kentucky Kentucky’s private-sector breach rule covers a defined set of unencrypted personal information when unauthorized acquisition causes, or reasonably appears likely to cause, identity theft or fraud against a Kentucky resident. If one incident requires notice to more than 1,000 people, you must also notify nationwide consumer reporting agencies and credit bureaus.[^1][^2] **Coverage:** [Cyber liability](/coverage/cyber) · [Kentucky](/coverage/states/kentucky) ## 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 Kentucky ### The Kentucky Trigger Is Tied to Identity Theft or Fraud KRS 365.732 defines a covered breach as unauthorized acquisition of unencrypted, unredacted computerized data in a multi-person database that causes or is reasonably believed to cause identity theft or fraud against a Kentucky resident. Ask counsel and your incident team to assess that trigger against the affected data and evidence.[^1] ### Add Credit Agencies Above 1,000 People When circumstances require notice to more than 1,000 people at one time, Kentucky requires notice without unreasonable delay to nationwide consumer reporting agencies and credit bureaus, including notice timing, distribution, and content. Build the extra coordination into the response plan.[^1][^3] ### A Data Maintainer Must Alert the Owner A holder that stores data it does not own must notify the owner or licensee as soon as reasonably practicable after discovery if the information was or is reasonably believed to have been acquired without authorization. Put that handoff deadline and the records the owner needs into vendor terms.[^1] ## Who Regulates Insurance in Kentucky **Kentucky Department of Insurance.** The Kentucky Department of Insurance licenses agents and insurers, monitors the insurance market, and accepts complaints about insurance companies and agents. You can use its state lookup or complaint service to check a license or raise an insurance issue.[^4][^5][^6] - [Regulator website](https://insurance.ky.gov/ppc/new_default.aspx) - [License lookup](https://insurance.ky.gov/ppc/Agent/Default.aspx) - [File a complaint](https://insurance.ky.gov/ppc/forms/complaints_home.aspx) - Phone: 800-595-6053 (option 1, Kentucky only) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% on Kentucky-home-state premiums and other premium consideration; separate 1.8% surcharge on eligible risks located in Kentucky, subject to statutory exceptions; applicable local-government premium tax may also apply When Kentucky is the insured's home state, the state tax is 3% of premium and other consideration treated as premium; local-government premium taxes may also apply. A separate 1.8% surcharge generally applies to Kentucky risks, but state law exempts multistate nonadmitted risks and specified government and nonprofit premiums. The broker must make a diligent effort to place coverage with an admitted carrier before using surplus lines.[^7][^10][^8][^9][^11] ## 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 Kentucky; [check the regulator’s license lookup](https://insurance.ky.gov/ppc/Agent/Default.aspx) 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.[^12] - [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.[^13] - [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.[^14] - [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.[^15] - [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.[^17] - [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.[^18] ## Questions to Ask Before You Buy in Kentucky 1. Does our response plan test Kentucky’s defined identity-theft-or-fraud trigger against the data involved? 2. Who coordinates Kentucky’s nationwide credit-agency notices if one incident affects more than 1,000 people? 3. How quickly will a Kentucky data maintainer notify us, and what incident details will it provide? ## Cyber Liability in Kentucky: FAQ ### What kinds of data breaches trigger Kentucky’s private-sector notice law? Unauthorized acquisition of qualifying unencrypted, unredacted computerized personal information that causes or is reasonably believed to cause identity theft or fraud against a Kentucky resident.[^1] ### When does Kentucky require notice to credit bureaus? When one incident requires notice to more than 1,000 people; notice to nationwide consumer reporting agencies and credit bureaus must follow without unreasonable delay.[^1] ### How soon must a Kentucky data holder notify the data owner? As soon as reasonably practicable after discovery, when covered personal information was or is reasonably believed to have been acquired by an unauthorized person.[^1] ## 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) - [Connecticut](/coverage/cyber/connecticut) - [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) - [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 Kentucky](/coverage/states/kentucky) ## Sources [^1]: [KRS 365.732 - Notice of Computer Security Breach](https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=43326) — Kentucky Legislature; KRS 365.732(1)-(4), (7)-(8); page states effective July 15, 2014. Accessed 2026-09-28. [^2]: [Kentucky Revised Statutes Chapter 365 - Consumer Protection](https://apps.legislature.ky.gov/law/statutes/chapter.aspx?id=39074) — Kentucky Legislature; Chapter 365 index and current section listing; accessed 2026-09-28. Accessed 2026-09-28. [^3]: [Identity Theft and Data Breach Guidance](https://www.ag.ky.gov/Resources/Consumer-Resources/Consumers/Pages/Identity-Theft.aspx) — Kentucky Attorney General; What if my information has been compromised by a data breach?; accessed 2026-09-28. Accessed 2026-09-28. [^4]: [Kentucky Department of Insurance](https://insurance.ky.gov/ppc/new_default.aspx) — Kentucky Department of Insurance; Homepage and consumer telephone. Accessed 2026-09-28. [^5]: [Insurance License Lookup](https://insurance.ky.gov/ppc/Agent/Default.aspx) — Kentucky Department of Insurance; State-designated producer/company search. Accessed 2026-09-28. [^6]: [File an Insurance Complaint](https://insurance.ky.gov/ppc/forms/complaints_home.aspx) — Kentucky Department of Insurance; Official DOI consumer complaint page accepts complaints involving general liability and disputes with insurers, agents or adjusters. Accessed 2026-09-28. [^7]: [KRS 304.10-180](https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=48240) — Kentucky General Assembly; KRS 304.10-180(1): Kentucky-home-state; 3% applies to premiums, assessments, fees, charges or other premium consideration; local premium tax is separate. Accessed 2026-09-28. [^8]: [Local Government Premium Taxes](https://insurance.ky.gov/ppc/new_default.aspx?divid=13) — Kentucky Department of Insurance; Current local tax schedules. Accessed 2026-09-28. [^9]: [KRS 304.10-090](https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=16989) — Kentucky General Assembly; KRS 304.10-090 requires policy notice that nonadmitted insurer is not a Kentucky Insurance Guaranty Association member and its benefits are unavailable upon insolvency. Accessed 2026-09-28. [^10]: [KRS 136.392](https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=50265) — Kentucky General Assembly; KRS 136.392(1),(5)-(6): $1.80 per $100 on premium/other charges for Kentucky risks; named government/nonprofit exceptions; multistate nonadmitted risks exempt. Accessed 2026-09-28. [^11]: [Surplus Lines](https://insurance.ky.gov/ppc/new_default.aspx?divid=24) — Kentucky Department of Insurance; Full page states licensed surplus-lines brokers must make a diligent effort to place with an admitted carrier before exporting coverage. Accessed 2026-09-28. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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. [^17]: [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. [^18]: [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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