--- title: "Cyber Liability Insurance in Utah" description: "Utah ties notice to an investigation finding actual or likely misuse, with AG and Cyber Center notice at 500 residents and credit agencies at 1,000." canonical: "https://spot.insure/coverage/cyber/utah" 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/utah) # Cyber Liability Insurance in Utah Utah requires an owner or licensee to investigate promptly and notify affected residents when personal information has been or is reasonably likely to be misused for identity theft or fraud. If that finding involves 500 or more residents, the business must also notify the Attorney General and Utah Cyber Center; at 1,000 or more, it must add nationwide consumer-reporting agencies.[^1][^2] **Coverage:** [Cyber liability](/coverage/cyber) · [Utah](/coverage/states/utah) ## 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 Utah ### Utah Starts With a Misuse Investigation The statute first requires a good-faith, reasonable, prompt investigation into whether personal information has been or will be misused for identity theft or fraud; resident notice is required when misuse occurred or is reasonably likely. It sets no fixed day count, so ask your response team to record when that investigation reaches the statutory finding and then notify as expediently as possible without unreasonable delay.[^1] ### Five Hundred Residents Adds Both State Contacts A misuse finding involving 500 or more Utah residents requires notice to both the Attorney General and the Utah Cyber Center in addition to residents. Ask who prepares the state notices and prevents the second agency filing from falling behind consumer communications.[^1] ### One Thousand Residents Adds Nationwide Credit Agencies At 1,000 or more residents tied to the same misuse finding, Utah adds nationwide consumer-reporting-agency notice after the AG and Cyber Center layer. Ask whether your response provider tracks all three recipient groups from one Utah resident count.[^1] ### The Utah Chapter Does Not Create Its Own Private Lawsuit The Utah Attorney General enforces this chapter, which creates no private right of action; it expressly leaves private rights that already exist under other law, including contract or tort, unaffected. Ask counsel and your broker to review the actual policy’s defense and liability terms rather than treating the breach statute as a coverage promise.[^2] ## Who Regulates Insurance in Utah **Utah Insurance Department.** The Utah Insurance Department regulates licensed insurance companies and producers, offers a public licensee search, and accepts complaints about property/casualty insurance. Complaint jurisdiction depends on policy type and place of issue; employer self-funded plans are outside the Department’s authority.[^3][^4][^5] - [Regulator website](https://insurance.utah.gov/) - [License lookup](https://insurance.utah.gov/licensee-search/) - [File a complaint](https://insurance.utah.gov/complaints/) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 4.25% of gross premium including policy fees, plus 0.18% stamping fee For Utah-home-state surplus-lines coverage, Utah charges 4.25% of gross premiums including policy fees, less returned premiums, and the Surplus Line Association of Utah collects a 0.18% stamping fee. Utah law requires a policy notice that the nonadmitted insurer is not protected by any Utah guaranty association; the state’s current guidance says a good-faith admitted-market effort is generally required unless the coverage is on the export list.[^6][^7][^8][^9][^10] [Surplus Line Association of Utah](https://www.slaut.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 Utah; [check the regulator’s license lookup](https://insurance.utah.gov/licensee-search/) 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.[^16] - [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.[^17] ## Questions to Ask Before You Buy in Utah 1. Who documents Utah’s prompt misuse investigation and the point when the statutory notice trigger is met? 2. If 500 or more Utah residents may face identity theft or fraud, who sends notice to both the AG and Utah Cyber Center? 3. Who tracks the separate nationwide credit-agency notices when the Utah count reaches 1,000? 4. Does the policy’s defense language cover claims that might arise under contract or tort law, apart from Utah’s breach statute? ## Cyber Liability in Utah: FAQ ### When must a Utah business notify residents after a data breach? After a prompt investigation reveals that personal information was misused or is reasonably likely to be misused for identity theft or fraud; notice must be as expedient as possible without unreasonable delay.[^1] ### Who must a Utah business notify if a breach affects 500 residents? At 500 or more residents tied to a finding of actual or likely misuse, it must notify affected residents, the Utah Attorney General, and the Utah Cyber Center.[^1] ### Does Utah’s breach statute create a private lawsuit for consumers? No. The chapter creates no private right of action, although it does not affect private rights that exist under other law, including contract or tort.[^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) - [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) - [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 Utah](/coverage/states/utah) ## Sources [^1]: [Utah Code §13-44-202 — Disclosure of system security breach](https://le.utah.gov/xcode/Title13/Chapter44/C13-44-S202_2024050120240501.pdf) — Utah Legislature; Effective May 1, 2024 text: §13-44-202(1)–(4), investigation trigger, 500/1,000 thresholds, timing, and law-enforcement delay. Accessed 2026-09-28. [^2]: [Utah Code §13-44-301 — Enforcement](https://le.utah.gov/xcode/Title13/Chapter44/C13-44-S301_2025050720250507.pdf) — Utah Legislature; Effective May 7, 2025 text: §13-44-301(1)–(4), AG enforcement, no private right under chapter, other-law rights preserved. Accessed 2026-09-28. [^3]: [utah insurance regulator](https://insurance.utah.gov/) — State insurance regulator; Official department pages identify consumer, licensee-search, complaint, and regulatory services.. Accessed 2026-09-28. [^4]: [Utah Insurance Department Licensee Search](https://insurance.utah.gov/licensee-search/) — State insurance regulator; Official search provides public contact information and verifies agent or agency licensing status.. Accessed 2026-09-28. [^5]: [Utah Insurance Department Complaints](https://insurance.utah.gov/complaints/) — State insurance regulator; Accepts most P&C complaints and specifies exclusions and complaint-channel limits.. Accessed 2026-09-28. [^6]: [Utah Code §31A-3-301](https://le.utah.gov/xcode/Title31A/Chapter3/C31A-3-S301_2025101420251206.pdf) — Utah Legislature; Effective October 14, 2025; 4.25% of gross premium including fees; cancellation/return premium deductions and statutory exclusions.. Accessed 2026-09-28. [^7]: [Utah Code §31A-3-303](https://le.utah.gov/xcode/Title31A/Chapter3/C31A-3_1800010118000101.pdf) — Utah Legislature; §31A-3-301(4): premiums for surplus-lines insurance are taxable in full when Utah is the home state; subject to §31A-3-305 interstate allocation agreements for multistate risks.. Accessed 2026-09-28. [^8]: [Excess & Surplus Lines Insurance](https://insurance.utah.gov/licensees/insurers/excess-surplus-lines/) — Utah Insurance Department; Current FAQ: tax 4.25% of gross premiums including fees; stamping fee 0.18%; SLA Utah is stamping office; submission within 60 days.. Accessed 2026-09-28. [^9]: [Utah Code §31A-15-103(8)(c)](https://le.utah.gov/xcode/title31a/C31A_1800010118000101.pdf) — Utah Legislature; Surplus-lines policy must contain statutory notice that the insurer is not licensed and receives no protection from any guaranty associations under Title 31A, Chapter 28.. Accessed 2026-09-28. [^10]: [Excess & Surplus Lines Insurance](https://insurance.utah.gov/licensees/insurers/excess-surplus-lines/) — Utah Insurance Department; Current surplus-lines guidance: good-faith effort to place with admitted insurer is general rule; export-list coverage does not require diligent search, while off-list coverages require normal search procedures.. 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]: [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. [^16]: [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. [^17]: [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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