Social EngineeringFinancial ServicesFinancePhishingBECCustomer Data InvolvedDelayed DiscoveryPIIIdentity (basic)Government IDMediumContained

Arroyo Insurance

bd_ab3f9f3371e4b34b · schema v1 · pii pii-v1

Severity

Medium

Discovered

Nov 2, 2021

Filed

Apr 27, 2023

To disclose

18 months

Affected

Not disclosed

Linked

2 filings

Confidence

65%

Full breach record for Arroyo Insurance →

Arroyo Insurance Services, Inc. experienced a business email compromise (BEC) incident. On November 2, 2021, the company became aware of an outgoing spam campaign originating from an employee account. The California Attorney General form lists the breach date as September 2, 2021. An unauthorized party gained access to sensitive personal information, including names, addresses, and potentially Social Security numbers. Arroyo engaged third-party cybersecurity experts, reset passwords, enabled MFA, and offered 12 months of identity theft protection through IDX.

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California clockDiscovered Nov 2, 2021 → Notified Apr 27, 2023541d ✗ CA 60-day late18 months discovery → filing

Incident timeline

undetected · 61 days

discovery → filing · 18 months / 541 days

Sep 2, 2021

Begins

Nov 2, 2021

Discovered

Apr 27, 2023

Filed

vs. sector median

+68 wks slower

This filing is one of 2 about the same incident.View merged incident

Linked disclosures

Why this link?

Regulatory filings (1) · sorted by filing gap

Massachusetts State AGbd_646ff89a7e821ed82023-04-27Verified

Name: Arroyo Insurance
norm: arroyo insurance
Domain: arroyoins.com

Name: Arroyo Insurance
norm: arroyo insurance
Domain: arroyoins.com
Industry: Financial Servicesllm

Discovered: Nov 2, 2021
Breach occurred: Sep 2, 2021
Undetected for: 61 daysoccurrence → discovery
Materiality determined: —
Notification sent: Apr 27, 2023
Affected individuals: Not disclosed
Data types: PIIIdentity (basic)Government ID
Data elements: Social Security numberDate of birth
Attack vector: Phishing
MITRE ATT&CK: T1566 PhishingT1078 Valid AccountsT1114 Email Collection
Threat actor: External
Regulator citations: Filed breach notification with California Attorney General
Initial access: phishing_link

During the incident: Launched an investigation to determine the nature and scope of the incident
Engaged third-party cybersecurity experts to assist in remediation and investigation
Resetting passwords
Enabling Multi-Factor Authentication for user accounts
Performing network scanning for malicious activity
Instituting security awareness training for employees
Offering identity theft protection services through IDX
Changes made: Resetting passwords
Enabling Multi-Factor Authentication for user accounts
Performing network scanning for malicious activity
Instituting security awareness training for employees
Source: Quoted from the filing itself, not independently verified.

Time to disclose: 18 months(541 days from discovery to filing)
Compliance flags: CA 60-day late · 541d
Discovery-date grounding: letter-groundedThe discovery date is the detection date narrated in the notification letter — the defensible tier.
Clock breakdown: Statute Window Elapsed Threshold Status
California
Discovered: Nov 2, 2021
→ Notified: Apr 27, 2023
541d 60 days (analyst band, pre-2026 discoveries) CA 60-day late

Statute	Window	Elapsed	Threshold	Status
California	Discovered: Nov 2, 2021 → Notified: Apr 27, 2023	541d	60 days (analyst band, pre-2026 discoveries)	CA 60-day late

Status: No extraction artifact recorded for this disclosure.

Filing propagation · 2 filings · 2 states

View merged incident ↗

Massachusetts State AGApr 27 · first

California State AGApr 27 · first · this page

Evidence ladder

Leak-site claim

Attacker assertion only. Establishes: claim date, group, alleged victim.

Press / market report

Unlocks: incident narrative, operational impact. Still no compliance clock.

State AG / regulator filingThis record

Unlocks: discovery date, data types, affected count, compliance clock.

SEC 8-K / victim statement

Unlocks: materiality, stated response, full audit trail. Ceiling removed.

Source URL: https://oag.ca.gov/ecrime/databreach/reports/sb24-566064
DisclosureLens links to the originating regulator URL — full filing bodies are not redistributed from public surfaces (§4.5).
Filed at: Apr 27, 2023
Raw hash: 00e3645385f07c8672acbab84ebe19853dd1f8a9f140ac0b89fb210f60e9fbda

Linked disclosures

Regulatory filings (1) · sorted by filing gap

Reporting entityArroyo Insurance

Victim entityArroyo Insurance

Incidentdiscovered Nov 2, 2021

Stated responseLaunched an investigation to determine the nature and scope of the incident

ComplianceCA 60-day late

Extraction provenanceno artifact recorded

Source provenanceoag.ca.gov