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Cyber Liability Insurance in Ohio

Ohio business owners or licensees must notify qualifying residents no later than 45 days after discovering or receiving notice of a breach, subject to investigation and law-enforcement delays. Ohio insurance licensees also have a separate three-business-day superintendent report in specified cases, so confirm how a carrier's incident procedures handle both tracks. 1,2

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 Ohio

  • The Consumer Clock Starts at Discovery or Notice

    If computerized personal information is accessed and acquired by an unauthorized person and creates a material risk of identity theft or fraud, the owner or licensee must notify affected Ohio residents as expediently as possible and no later than 45 days after discovery or notification. That outer period allows time for law-enforcement needs, scoping, and system restoration; ask how your incident-response vendors will preserve evidence without delaying notices unnecessarily. 1

  • Some Insurance Licensees Have a Separate Three-Day Filing

    An Ohio insurance licensee must notify the Superintendent of Insurance as promptly as possible and within three business days after determining that a cybersecurity event occurred if the insurer is Ohio-domiciled and the event is likely to materially harm a consumer or operations, or if it involves at least 250 Ohio consumers and meets another statutory trigger. Ask your broker which entity owns that regulator filing if an insurer or its service provider is involved; the rule does not itself promise coverage under your policy. 2

  • More Than 1,000 Residents Adds Credit-Agency Notice

    For one occurrence requiring notice to more than 1,000 Ohio residents, the owner or licensee must notify nationwide consumer reporting agencies of the timing, distribution, and content of the resident notice without unreasonable delay. Ask who tracks this Ohio-specific count separately from any policy sublimit or notification-services cap. 1

  • Ohio’s Statutory Personal-Information List Is Narrow

    The breach definition focuses on a resident’s name plus unencrypted or unredacted Social Security number, driver or state ID number, or financial-account/card number with access credentials. Compare the incident’s exposed fields with that list before assuming the Ohio notice rule applies; other laws or contract duties may still apply. 1

Who Regulates Insurance in Ohio

Ohio Department of Insurance

ODI licenses insurance agents and agencies and provides a public agent and company locator. Its consumer complaint form accepts insurance complaints and lets you identify an agent or company. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 5% of gross premium, net of return premiums For Ohio-home-state surplus-lines placements, Ohio sets a 5% tax on gross premiums after returned premiums and requires the surplus-lines broker to collect it when the policy is delivered. A diligent search usually applies; a qualifying exempt commercial purchaser may request nonadmitted placement in writing after disclosure that authorized-market coverage may offer greater protection, and the policy requires a signed notice of no Ohio guaranty-association benefits. 6,7,8

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 Ohio. 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
  • RisklyticsRisklytics, Inc.Insurance producer · checked 2026-09-28Risklytics’ licensing page lists its Massachusetts resident agency license plus state license records in Arizona, Colorado, Illinois, Indiana, New Jersey, Ohio, Texas and Washington; it identifies the NPN record date as September 10, 2026. This list is company-published and not a product availability map. 14
  • 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, 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. 16

Questions to Ask Before You Buy in Ohio

  1. Does the response plan track Ohio’s 45-day clock from discovery or receipt of a breach notice?
  2. Who decides whether a breach meets Ohio’s resident-risk and personal-information definitions?
  3. If an Ohio-licensed insurer or its service provider is affected, who handles the separate Superintendent report and its three-business-day clock?
  4. Who counts Ohio residents for the more-than-1,000 consumer-reporting-agency notice?

Cyber Liability in Ohio: FAQ

How long does an Ohio business have to notify people after a data breach? 1

No later than 45 days after discovery or notification, if the breach meets Ohio’s scope and material-risk requirements; law-enforcement, investigation, and system-restoration conditions also apply. 1

Do Ohio insurance companies have a separate cybersecurity reporting deadline? 2

Yes. A licensee meeting the statutory domicile or 250-resident conditions must notify the Ohio Superintendent of Insurance as promptly as possible and within three business days after determining that a cybersecurity event occurred. 2

When must an Ohio business notify the credit bureaus after a breach? 1

When one occurrence requires notice to more than 1,000 Ohio residents, the business must notify nationwide consumer reporting agencies about the timing, distribution, and content of the resident notice. 1

Cyber Liability in Other States

Other Coverage in Ohio

Sources

  1. Ohio Revised Code §1349.19 — Private disclosure of security breach. Ohio Legislative Service Commission; §1349.19(A), (B), (D), (F), (G): breach and data definitions, resident notice, delays, federal exemptions, and >1,000 trigger. Accessed 2026-09-28.
  2. Ohio Revised Code §3965.04 — Notification to superintendent. Ohio Legislative Service Commission; §3965.04(A), (C), (D): three-business-day notice triggers and consumer-notice coordination. Accessed 2026-09-28.
  3. ohio insurance regulator. State insurance regulator; Official regulator home page and consumer/industry navigation. Accessed 2026-09-28.
  4. Ohio Department of Insurance Agent / Agency Locator. State insurance regulator; Public search fields for agent and agency name, NPN, license number, city, ZIP, residency, and license type. Accessed 2026-09-28.
  5. Ohio Department of Insurance Consumer Complaints Form. State insurance regulator; Online complaint form collects insurer, coverage, agent, issue, and supporting documents; page warns submissions may be public records. Accessed 2026-09-28.
  6. Ohio Revised Code §3905.36. Ohio Laws; Division (B): 5% of gross premiums after return premiums; surplus-lines broker collects from insured at policy delivery. Accessed 2026-09-28.
  7. Ohio Revised Code §3905.38. Ohio Laws; Division A: Chapter 3905 rules do not apply when Ohio is not insured's home state. Accessed 2026-09-28.
  8. Ohio Revised Code §3905.33. Ohio Laws; Divisions (B)(1), (B)(4): five-market diligence and ECP disclosure/written request; division (C): signed notice of no Ohio Insurance Guaranty Association benefits. Accessed 2026-09-28.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  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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