What Cyber Insurance Requirements Apply in Washington?

Washington requires covered businesses to notify affected residents as soon as possible and no later than 30 calendar days after discovery, subject to law-enforcement and investigation exceptions. If one breach requires notice to more than 500 Washington residents, the Attorney General must receive a separate report within 30 days after discovery.

What Is Cyber Insurance?

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 Should You Watch for With Cyber Insurance in Washington?

Washington Uses a 30-Calendar-Day Outside Limit
The resident notice must be made as expediently as possible, without unreasonable delay, and within 30 calendar days after discovery; the statute allows a law-enforcement request or measures to determine scope and restore system integrity to delay notice. Ask the broker how the response plan records discovery and tracks the statutory exceptions against the policy’s response timetable. ¹
More Than 500 Residents Adds an Attorney General Report
When one breach requires notice to more than 500 Washington residents, send the Attorney General an incident report no later than 30 days after discovery, with the affected count or estimate, data types, exposure window, containment steps, and a sample consumer notice. Ask who owns that package if a vendor or carrier is also preparing resident notices. ¹
Credential Notices Must Protect the Account
If breached personal information includes a username or password, the notice must tell people to change that password and any reused credentials; if the compromised login is for an email account furnished by the business, do not send notice to that compromised address. Ask whether response counsel and the notification vendor have a workflow for alternate contact methods and credential-reset instructions. ¹
Washington Includes Several Data Types Beyond Financial IDs
The statutory definition includes full birth date, medical information, biometric identifiers, private keys used to authenticate or sign records, student or military IDs, and account-access credentials, with additional rules for exposed elements capable of identity theft. Ask your incident team to inventory these data types and preserve encryption-key evidence when it tests Washington scope. ²

Which Cyber Insurance Providers Have Washington License Records?

These providers publish a national listing for Cyber liability; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Washington. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

At-Bay
Insurance producer, Surplus-lines broker · checked 2026-09-28
At-Bay Insurance Services LLC
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. ⁸
At-Bay offers primary and excess cyber insurance for businesses with revenue up to $5 billion.
Coalition
Insurance producer, Surplus-lines broker · checked 2026-09-28
Coalition Insurance Solutions, Inc.
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. ⁹
Coalition offers cyber insurance.
Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
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. ¹⁰
Corgi lists cyber insurance among its business insurance offerings.
Hiscox
Insurer · checked 2026-09-28
Hiscox Insurance Company Inc.
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. ¹¹
Hiscox offers cyber insurance for small businesses.
Risklytics
Insurance producer · checked 2026-09-28
Risklytics, Inc.
Risklytics’ 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. ¹³
Risklytics arranges cyber insurance for robotics, hardware and AI businesses.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
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. ¹⁴
TechInsurance arranges cyber insurance for small businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
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. ¹⁵
Vouch lists cyber liability in its technology-company programs.

Who Regulates Insurance in Washington?

Washington State Office of the Insurance Commissioner

The Washington State Office of the Insurance Commissioner administers Washington insurance laws, oversees insurers and insurance producers within its authority, and provides regulatory and consumer resources. You can use the department's complaint process to raise an insurance issue and its licensing resources to check insurance professionals. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in Washington

Reported tax rate. 2% of premium ^6,⁷

The NAIC's state chart lists a 2% of premium charge for surplus-lines coverage for Washington (the chart's state entries were reviewed in October 2025). Your broker may collect the applicable amount with the premium. Surplus-lines insurers are not licensed in the state and generally are outside state guaranty-association protection; ask your broker to explain the insurer's financial protections and any diligent-search requirement that applies to your placement.

What Should You Ask Before Buying Cyber Insurance in Washington?

Who records the Washington discovery date and manages the 30-calendar-day resident notice clock?
If more than 500 Washington residents are affected, who submits the Attorney General report and sample notice by day 30?
Does our notification vendor avoid a breached email address and direct affected people to change reused credentials?
Does our data inventory flag Washington’s biometric, medical, private-key, and credential elements separately?

Cyber Insurance in Washington: Frequently Asked Questions

How long does Washington give a business to notify residents about a data breach?

No more than 30 calendar days after discovery, as expediently as possible and without unreasonable delay, subject to statutory law-enforcement and investigation delays. ¹

When must a Washington business report a breach to the Attorney General?

Within 30 days after discovery if one breach requires notice to more than 500 Washington residents. ¹

Can a Washington business email a breach notice to a compromised email account?

No. If the breached login credentials are for an email account furnished by the business, notice must use another permitted method. ¹

Sources for Cyber Insurance in Washington

1
Revised Code of Washington §19.255.010 — Personal information; notice of security breaches. Washington State Legislature; Current RCW page, §§19.255.010(1)–(8); 30-day consumer clock and >500 AG report derive from 2019 c.241, effective March 1, 2020. Accessed 2026-09-28.
2
Revised Code of Washington §19.255.005 — Definitions. Washington State Legislature; §19.255.005(1)–(3); breach, personal-information and secured-data definitions added by 2019 c.241, effective March 1, 2020. Accessed 2026-09-28.
3
Washington State Office of the Insurance Commissioner. Washington State Office of the Insurance Commissioner; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
4
Insurance Department Directory. National Association of Insurance Commissioners; Washington State Office of the Insurance Commissioner entry; official contact and website listing. Accessed 2026-09-28.
5
Licensing Center. National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28.
6
Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; WA row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
7
Guaranty Associations & Funds. National Association of Insurance Commissioners; Coverage of claims from insolvencies of insurers licensed in a state; surplus-lines insurers are nonadmitted. 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
About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
14
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.
15
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.

What Cyber Insurance Requirements Apply in Washington?

What Is Cyber Insurance?

What Should You Watch for With Cyber Insurance in Washington?

Washington Uses a 30-Calendar-Day Outside Limit

More Than 500 Residents Adds an Attorney General Report

Credential Notices Must Protect the Account

Washington Includes Several Data Types Beyond Financial IDs

Which Cyber Insurance Providers Have Washington License Records?

At-Bay

Coalition

Corgi

Hiscox

Risklytics

TechInsurance

Vouch