Get Started

Cargo Insurance in Hawaii

Hawaii’s posted motor-carrier rule requires security for cargo or baggage released to a carrier, with amounts tied to declared value and a separate gravity-discharge exception. The PUC regulates Young Brothers’ intraisland cargo tariffs but says it does not regulate interstate shipping companies; identify every route leg and mode before comparing carrier terms with your goods policy. The posted motor rule prints a 1992 effective date, so verify current application before relying on its figures. 1,2,3

What Is Cargo And Transit?

Cargo coverage fits a shipper protecting goods it owns or a carrier responsible for another party’s goods. The quote needs to match who bears the loss, the shipment route and storage stops. Read the national Cargo and transit guide.

What to Watch for in Hawaii

  • Trace Each Motor-Custody Leg

    The PUC-hosted rule requires motor carriers using public streets to file security for property released into their custody, measured partly by declared value and capped in the posted text. This is carrier security, not proof your goods are insured to full value. 1

  • Flag Gravity-Discharge Loads

    Carriers exclusively moving gravity-discharge commodities follow a distinct rule: cargo insurance at market value of property in custody or $100, whichever is greater. Tell the broker the commodity and unloading equipment; do not apply the ordinary schedule to this class. 1

  • Check the Interisland Water Tariff

    Hawaii’s PUC regulates Young Brothers’ intraisland cargo rates, fees and tariffs, but says it does not regulate interstate shippers such as Pasha or Matson. Ask which carrier and tariff apply to each island leg and whether your policy covers transfers and temporary storage. 2

  • Do Not Treat a Value Entry as Goods Insurance

    A carrier may use a declared value to limit liability only where the PUC expressly authorized value-dependent rates and the shipper declares or agrees in writing. Ask separately about carrier recovery terms and your own goods policy. 1,3

Who Regulates Insurance in Hawaii

Hawaiʻi Insurance Division

The Insurance Division oversees insurance companies and producers, examines Hawaiʻi-based insurers, reviews rate and policy filings, and investigates insurance complaints. It is part of the Department of Commerce and Consumer Affairs. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 4.68% of premium when Hawaiʻi is the home state Hawaiʻi applies a 4.68% tax when it is the insured’s home state. Surplus-lines coverage is placed with an unauthorized insurer, so do not assume the Hawaiʻi Insurance Guaranty Association protects the policy; confirm the insurer’s status and policy terms with your broker. 7,8

Providers With Documented State Licenses

These providers publish a national listing for Cargo and transit; 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 Hawaii. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • 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. 11

Questions to Ask Before You Buy in Hawaii

  1. Which legs are motor, regulated interisland water, or interstate service, and which tariff or contract applies to each?
  2. What cargo or baggage value is declared in writing for each carrier custody leg?
  3. Does the quote address interisland transfers, temporary storage and gravity-discharge bulk cargo?

Cargo And Transit in Hawaii: FAQ

Does Hawaii’s PUC regulate every company shipping goods between islands? 2

No. The Commission identifies Young Brothers as an intraisland cargo carrier and says it regulates that carrier’s rates, fees and tariffs, but does not regulate interstate shipping companies such as Pasha or Matson. Confirm the actual carrier and route for each leg. 2

Are the posted Hawaii motor-carrier cargo-security amounts current? 1

The PUC-hosted Chapter 6-62 text prints an effective date of June 29, 1992. The PUC links the chapter as its motor-carrier rules, but I did not establish a later amendment history for this provision; confirm the current rule with the Commission before relying on its figures. 1

Cargo And Transit in Other States

Other Coverage in Hawaii

Sources

  1. Hawaii Administrative Rules, Chapter 6-62, Motor Carriers. Hawaii Public Utilities Commission; §§6-62-8 to 6-62-9, pp. 12-14; printed effective date June 29, 1992. Accessed 2026-09-28.
  2. Water Carriers. Hawaii Public Utilities Commission; Regulated water-carrier list and intrastate/interstate scope; updated September 2025. Accessed 2026-09-28.
  3. Hawaii Revised Statutes, Chapter 271, Motor Carriers. Hawaii State Legislature; §271-17; security for public and discretionary security for compensation to shippers/consignees; 2017 compilation. Accessed 2026-09-28.
  4. Insurance Division. Hawaiʻi Department of Commerce and Consumer Affairs; Official division homepage; scope, license search, complaints, contact information. Accessed 2026-09-28.
  5. Insurance Licenses and Registrations. Hawaiʻi Insurance Division; Insurance license information; links to state-based system for license applications and status. Accessed 2026-09-28.
  6. Filing a Complaint. Hawaiʻi Insurance Division; Online complaint form and published consumer phone. Accessed 2026-09-28.
  7. Surplus Lines Tax. Hawaiʻi Insurance Division; 4.68% rate and home-state application under HRS § 431:8-315. Accessed 2026-09-28.
  8. HRS § 431:16-105: Definitions. Hawaiʻi Legislature; Defines a member insurer as an insurer licensed or holding a certificate of authority in Hawaiʻi; cross-read with HRS § 431:8-102 and § 431:8-301 for unauthorized surplus-lines placements. Accessed 2026-09-28.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  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.

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.

Get Help With Insurance Buying and Renewals.

Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.

Talk to Spot