--- title: "Cyber Liability Insurance in New York" description: "New York’s breach law now sets a 30-day consumer-notice deadline; covered DFS entities also have a separate 72-hour event-reporting clock." canonical: "https://spot.insure/coverage/cyber/new-york" 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/new-york) # Cyber Liability Insurance in New York New York General Business Law §899-aa requires covered businesses to notify affected residents within 30 days after discovering a qualifying breach. A separate DFS rule requires covered entities to report specified cybersecurity events within 72 hours after determination, including events likely to materially harm a material part of normal operations.[^1][^2] **Coverage:** [Cyber liability](/coverage/cyber) · [New York](/coverage/states/new-york) ## 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 New York ### New York Adds a 30-Day Consumer Clock For a breach covered by §899-aa, New York requires notice as expediently as possible and without unreasonable delay, within 30 days after discovery, subject to law-enforcement delay and statutory scope. Coordinate the resident clock with any applicable federal or sector rule.[^1] ### DFS-Regulated Entities Have a Separate 72-Hour Report A covered entity under 23 NYCRR Part 500 must notify the DFS superintendent within 72 hours after determining an event occurred if it requires reporting to another supervisory body or is reasonably likely to materially harm a material part of operations. Confirm Part 500 status and event criteria before treating this as applicable.[^2] ### Check Part 500 Scope and Exemptions Part 500 defines covered entities and provides limited exemptions, including thresholds based on New York employees, revenue, and assets for specified requirements. Ask the broker and compliance lead to identify the licensed entity and applicable exemption before using the DFS clock as a general New York business deadline.[^2] ## Who Regulates Insurance in New York **New York State Department of Financial Services.** New York DFS supervises insurance companies and producers, administers insurance law and accepts consumer complaints about property and casualty policies, including commercial insurance.[^3][^4][^5][^6] - [Regulator website](https://www.dfs.ny.gov/) - [License lookup](https://myportal.dfs.ny.gov/nylinxext/elprsmain.alice) - [File a complaint](https://myportal.dfs.ny.gov/web/guest-applications/consumer-complaint) - Phone: 800-342-3736 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3.6% of gross premium, less returned premium; ELANY stamping fee is 0.15% through 2026 and 0.17% for policies incepting on/after Jan. 1, 2027 When New York is the insured’s home state, excess-line tax is 3.6% of gross premium less returned premium. ELANY’s September 20, 2026 bulletin sets a 0.15% stamping fee through December 31, 2026 and 0.17% for policies incepting on or after January 1, 2027; statutory search requirements and guaranty-fund protection depend on the applicable New York excess-line rules.[^7][^8][^9][^10] [Excess Line Association of New York](https://www.elany.org/) ## 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 New York; [check the regulator’s license lookup](https://myportal.dfs.ny.gov/nylinxext/elprsmain.alice) 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.[^11] - [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.[^12] - [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.[^13] - [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.[^14] - [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 New York 1. Is our New York entity covered by Part 500, and which 72-hour event trigger applies? 2. Who owns the 30-day resident-notice clock and the separate DFS regulator report? 3. Which Part 500 entity or exemption applies to the business whose systems or data were affected? ## Cyber Liability in New York: FAQ ### How long does a New York business have to notify breach victims? No later than 30 days after discovery of a qualifying breach, while acting as expeditiously as possible and without unreasonable delay, subject to statutory exceptions.[^1] ### When must a New York DFS-covered entity report a cyber event? As promptly as possible and no later than 72 hours after determining a qualifying event occurred under 23 NYCRR §500.17(a).[^2] ### Does New York’s 72-hour DFS deadline apply to every business? No. It applies to covered entities under Part 500 and only when the event meets one of §500.17(a)’s reporting criteria.[^2] ## 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) - [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) - [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 New York](/coverage/states/new-york) ## Sources [^1]: [New York General Business Law §899-aa — Notification of Unauthorized Acquisition](https://www.nysenate.gov/legislation/laws/GBS/899-AA) — New York State Senate, Open Legislation; §§899-aa(1), (2), (4), (8); official most-recent revision dated March 28, 2025; accessed text via official statute search excerpt because page requires JavaScript. Accessed 2026-09-28. [^2]: [23 NYCRR Part 500 — Cybersecurity Requirements for Financial Services Companies](https://www.dfs.ny.gov/system/files/documents/2023/03/23NYCRR500_0.pdf) — New York Department of Financial Services; §§500.1, 500.17(a), 500.19(a), (c); revised regulation PDF; 72-hour triggers and limited exemptions. Accessed 2026-09-28. [^3]: [New York State Department of Financial Services](https://www.dfs.ny.gov/) — New York State Department of Financial Services; Official regulator homepage.. Accessed 2026-09-28. [^4]: [Who We Supervise](https://www.dfs.ny.gov/who_we_supervise) — New York State Department of Financial Services; DFS describes insurance oversight and provides links to company and producer searches.. Accessed 2026-09-28. [^5]: [Insurance License Search](https://myportal.dfs.ny.gov/nylinxext/elprsmain.alice) — New York State Department of Financial Services; DFS portal performs public insurance producer license searches; it displays a CAPTCHA to limit automated access.. Accessed 2026-09-28. [^6]: [Consumer Complaints](https://myportal.dfs.ny.gov/web/guest-applications/consumer-complaint) — New York State Department of Financial Services; Official portal files insurance complaints for health, life and property/casualty insurance.. Accessed 2026-09-28. [^7]: [New York Insurance Law §2118(d)(1)](https://www.nysenate.gov/legislation/laws/ISC/2118) — New York State Senate; Current statutory text: 3.6% of gross premiums less returned premium when New York is the insured’s home state.. Accessed 2026-09-28. [^8]: [ELANY Bulletin 2026-20: Notice of Change in Stamping Fee](https://www.elany.org/docs/default-source/bulletins/stamping-fee-change-09222026.pdf?sfvrsn=169bd4c3_3) — Excess Line Association of New York; September 20, 2026 bulletin: 0.17% applies to policies incepting from Jan. 1, 2027; endorsements on policies incepting Jan. 1, 2023–Dec. 31, 2026 retain 0.15%; excess-line tax remains 3.6%.. Accessed 2026-09-28. [^9]: [New York Insurance Law §2118](https://www.nysenate.gov/legislation/laws/ISC/2118) — New York State Senate; Excess-line broker duties and filing requirements; §2118(a) due care; exceptions should be applied only where statutory conditions are met.. Accessed 2026-09-28. [^10]: [New York Insurance Law §2118](https://www.nysenate.gov/legislation/laws/ISC/2118) — New York State Senate; Excess-line statutory duties and policies; source is used for placement context. No state-specific guaranty cap/note included.. Accessed 2026-09-28. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^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). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/cyber/new-york.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)