Coverage line

A severed network cable is carefully rejoined beneath a sturdy vault-like shell.Illustration for The General Average

What Cyber Liability Insurance Requirements Apply in Virginia?

Virginia requires a covered business to notify the Attorney General and affected residents without unreasonable delay when unauthorized access and acquisition of unencrypted or unredacted personal information causes, or is reasonably believed to cause, identity theft or other fraud. When one event requires notice to more than 1,000 people, the business must also report the timing, distribution and content of notice to the Attorney General and notify nationwide consumer-reporting agencies.

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 Virginia?

Access Alone Does Not Meet Virginia’s Notice Trigger
Virginia’s breach definition requires unauthorized access and acquisition of unencrypted and unredacted computerized data in a multi-person database, plus actual or reasonably believed identity theft or other fraud affecting a Virginia resident. Ask the response team to preserve evidence for each part of that test before treating an intrusion alert as a Virginia-notice event. ¹
Plan to the Unreasonable-Delay Standard
The Code requires notice without unreasonable delay and allows reasonable delay to determine scope and restore system integrity, plus law-enforcement delay; it states no fixed number of days. Ask the broker how the policy’s response services help meet this open-ended statutory timing rule without treating a contract response window as the state deadline. ¹
More Than 1,000 Notices Adds Two Recipients
For every qualifying Virginia event, the business notifies the Attorney General and affected residents without unreasonable delay. If one event requires notice to more than 1,000 people, it must also tell the Attorney General the timing, distribution and content of notice and notify nationwide consumer-reporting agencies. Ask who counts Virginia residents and prepares this second filing package. ¹
Covered Processors Must Help Controllers With Notice
For businesses subject to Virginia’s Consumer Data Protection Act, a processor must assist its controller with breach-notification obligations under §18.2-186.6, taking account of the nature of processing and information available. Ask whether your processor contract requires fast incident details and resident counts; this assistance rule applies only within the VCDPA’s covered controller-processor relationship. ²

Which Cyber Insurance Providers Have Virginia License Records?

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 Virginia. 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.
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. ¹³
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. ¹⁴
Vouch lists cyber liability in its technology-company programs.

Who Regulates Insurance in Virginia?

Virginia State Corporation Commission, Bureau of Insurance

The Virginia State Corporation Commission, Bureau of Insurance administers Virginia 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 Virginia

Reported tax rate. 2.25% of premium plus up to 0.1% Bureau Special Fund assessment ^6,⁷

The NAIC's state chart lists a 2.25% of premium plus up to 0.1% Bureau Special Fund assessment charge for surplus-lines coverage for Virginia (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 Virginia?

What evidence would establish Virginia’s identity-theft-or-fraud threshold for this incident?
Who decides whether the more-than-1,000-person trigger requires Attorney General and nationwide credit-agency filings?
If a processor holds our data, does our VCDPA contract require it to help with the state notice and provide incident facts promptly?
Which response services help us meet Virginia’s without-unreasonable-delay standard?

Cyber Insurance in Virginia: Frequently Asked Questions

When is a Virginia business required to notify residents after a breach?

When unauthorized access and acquisition of qualifying unencrypted or unredacted personal information causes, or is reasonably believed to cause, identity theft or other fraud to a Virginia resident. ¹

How many days does Virginia give a business to send breach notices?

Virginia sets no fixed day count; notice must be made without unreasonable delay, subject to the statute’s scope-restoration and law-enforcement delays. ¹

Who must Virginia businesses notify after a breach affecting more than 1,000 people?

The Attorney General receives notice for every qualifying event; when one event requires notice to more than 1,000 people, the business must also report the notice’s timing, distribution and content to the AG and notify nationwide consumer-reporting agencies. ¹

Sources

14 documents, numbered as cited. Open the sources

Sources for Cyber Insurance in Virginia

1
Code of Virginia §18.2-186.6 — Breach of personal information notification. Virginia General Assembly, Legislative Information System; Current page dated 2026-09-28; §18.2-186.6(A)–(E), (H), (K); definition, no-unreasonable-delay, count trigger, regulatory exception. Accessed 2026-09-28.
2
Code of Virginia §59.1-579 — Responsibility according to role; controller and processor. Virginia General Assembly, Legislative Information System; §59.1-579(C)(4); processor assists controller with security and §18.2-186.6 notice obligations, limited to VCDPA-covered roles; accessed 2026-09-28. Accessed 2026-09-28.
3
Virginia State Corporation Commission, Bureau of Insurance. Virginia State Corporation Commission, Bureau of Insurance; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
4
Insurance Department Directory. National Association of Insurance Commissioners; Virginia State Corporation Commission, Bureau of Insurance 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; VA 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
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.

What Cyber Liability Insurance Requirements Apply in Virginia?

What Is Cyber Insurance?

What Should You Watch for With Cyber Insurance in Virginia?

Access Alone Does Not Meet Virginia’s Notice Trigger

Plan to the Unreasonable-Delay Standard

More Than 1,000 Notices Adds Two Recipients

Covered Processors Must Help Controllers With Notice

Which Cyber Insurance Providers Have Virginia License Records?

At-Bay

Coalition

Corgi

Hiscox

TechInsurance

Vouch