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Cyber Liability Insurance in South Carolina

South Carolina requires an owner or licensee to notify affected residents as expediently as possible and without unreasonable delay when unencrypted personal identifying information was acquired and illegal use is likely or material harm is at risk. When notice goes to more than 1,000 people at once, a separate report goes to the Department of Consumer Affairs’ Consumer Protection Division and nationwide credit agencies. 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 South Carolina

  • The State Uses an Expedient-Notice Standard

    South Carolina sets no fixed number of days for consumer notice. The owner or licensee must act in the most expedient time possible without unreasonable delay, allowing time for law-enforcement needs, breach scoping, and system restoration. Ask your broker whether the incident plan sets a working deadline sooner than the legal outside standard. 1

  • More Than 1,000 Notices Adds a State Filing

    A business giving notice to more than 1,000 people at one time must notify both nationwide consumer-reporting agencies and the Consumer Protection Division of the South Carolina Department of Consumer Affairs about notice timing, distribution, and content. Ask who owns this filing as well as the resident-notice workstream. 1

  • A Data Custodian Must Tell the Owner Immediately

    A South Carolina business maintaining data it does not own must notify the owner or licensee immediately after discovering a breach when the personal identifying information was or is reasonably believed to have been acquired. If your systems rely on vendors, ask for contract terms that route South Carolina incident notices to the data owner promptly. 1

  • The Statute Ties Notice to Likely Illegal Use or Harm

    The rule covers unencrypted or unredacted name-linked identifiers, account access credentials, and certain government identifiers; notice is required when illegal use occurred or is reasonably likely, or material risk of resident harm exists. An injured resident may sue for actual damages in a negligent violation or damages for a willful and knowing violation, so ask what defense and response services your policy actually includes. 1,2

Who Regulates Insurance in South Carolina

South Carolina Department of Insurance

The South Carolina Department of Insurance licenses and regulates insurance companies and producers and accepts complaints involving entities it licenses and policies incepted in South Carolina. Its consumer page links to the online complaint form and explains limits on the Department’s authority. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 6% blended broker premium tax: 4% state plus 2% municipal SCDOI’s January 2026 instructions set a 6% blended surplus-lines broker premium tax: 4% state and 2% municipal; the Department collects both and the Municipal Association of South Carolina allocates the municipal share. The filing system also asks brokers to identify one to three insurers that declined the indicated coverage; check the policy notice for any guaranty-association disclosure. 6,7

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 South Carolina. 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. 8
  • 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. 9
  • 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. 10
  • 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. 11
  • 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. 13
  • 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. 14

Questions to Ask Before You Buy in South Carolina

  1. What working notice deadline will our incident team use under South Carolina’s no-unreasonable-delay rule?
  2. If more than 1,000 people receive notice at once, who files the separate Consumer Protection Division and credit-agency reports?
  3. Do our data-hosting and response contracts require immediate notice to the South Carolina data owner?
  4. Which exposed fields meet South Carolina’s name-linked personal-identifying-information definition, and what harm test applies?

Cyber Liability in South Carolina: FAQ

How many days does a South Carolina business have to report a data breach to consumers? 1

South Carolina sets no fixed day count; notice must be made in the most expedient time possible and without unreasonable delay, subject to the statute’s law-enforcement and system-investigation conditions. 1

When does a South Carolina business have to notify the state about a breach? 1

When it gives notice to more than 1,000 people at one time, it must notify the Consumer Protection Division of the Department of Consumer Affairs and nationwide consumer-reporting agencies. 1

How quickly must a South Carolina data vendor tell the information owner about a breach? 1

Immediately following discovery when the personal identifying information was or is reasonably believed to have been acquired by an unauthorized person. 1

Cyber Liability in Other States

Other Coverage in South Carolina

Sources

  1. South Carolina Code §39-1-90 — Business data breach notifications. South Carolina Legislature; §39-1-90(A)–(C), (D)(1)–(3), and (K); online code history lists 2008 Act 190 and 2013 Act 15. Accessed 2026-09-28.
  2. South Carolina 2013 Act No. 15. South Carolina Legislature; §3 (amending §39-1-90(D), definition of personal identifying information), pp. 56–57; approved April 23, 2013. Accessed 2026-09-28.
  3. south-carolina insurance regulator. State insurance regulator; Official home and consumer services pages describe regulator scope. Accessed 2026-09-28.
  4. SCDOI Online Services. State insurance regulator; General Public offers Licensee Lookup for licensed individuals and insurers. Accessed 2026-09-28.
  5. SCDOI Consumer Services. State insurance regulator; Complaint process and stated authority covers licensed entities and policies incepted in SC; online complaint form is linked. Accessed 2026-09-28.
  6. 2026 Surplus Lines Filing Instructions. South Carolina Department of Insurance; Pages 1–2, January 26 2026 memo: 6% blended rate, 4% state plus 2% municipal; DOI collects both and MASC allocates municipal portion. Accessed 2026-09-28.
  7. 2026 Surplus Lines Filing Instructions. South Carolina Department of Insurance; Pages 1–2, Jan. 26, 2026 instructions: broker filing due-diligence field requires one to three named insurers declining the indicated coverage. 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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