What Commercial Property Insurance Requirements Apply in Hawaii?

Hawaii’s Hurricane Relief Fund offers hurricane-only excess commercial property coverage to eligible condominium and townhouse apartment owners associations, not individual businesses or condo units. Its attachment is the Hurricane Master Property Policy limit plus the HHRF policy deductible (2% per building), and the underlying hurricane limit must be at least $10 million.

What Is Commercial Property Insurance?

Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. Read the national Commercial property guide.

What to Watch for With Commercial Property in Hawaii

Check Who Can Apply
The HHRF says an AOAO’s total insured building value must exceed $10 million and state law requires declinations from at least two Hawaii-licensed insurers. Surplus-lines companies do not count, and a consent-to-rate quote is not a declination. This program is for condominium and townhouse AOAOs, not individual condo units or ordinary businesses; ask the producer to verify each eligibility element. ¹
Layer the First $10 Million
HHRF begins paying above the Hurricane Master Property Policy limit plus its own 2%-per-building deductible; the underlying hurricane policy limit must be at least $10 million. Ask the producer to map the attachment and both deductibles against the AOAO’s insured building values so you can see where each layer responds. ¹
Keep Other Perils Covered
The HHRF policy covers hurricane-related wind damage only and must be paired with companion property coverage for all other perils. Ask the broker to map which policy responds to hurricane wind, flood, and every other exposure in the association’s schedule. ¹
Plan for Annual Renewal
HHRF coverage runs for one year, does not renew automatically, and has a maximum available limit of $140 million. Confirm the limit and submit renewal materials early through a Hawaii-licensed producer. ¹
Submit The Application Early
New HHRF applications must be submitted at least 30 days before the desired effective date. DCCA’s June 20, 2025 launch memo allowed a one-time expedited process for that year; use the current published deadline for a new application. ^1,²

Which Commercial Property Providers Have Hawaii License Records?

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

ERGO NEXT Insurance
Insurance producer · checked 2026-09-28
Next First Insurance Agency, Inc.
ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry. ¹²
ERGO NEXT sells commercial property insurance as an agency; the issuing insurer is responsible for policy obligations.
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 commercial property 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
As of September 16, 2026, Vouch lists business property for health care and life sciences programs.

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. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 1-844-808-3222

Surplus-Lines Tax and Stamping Office in Hawaii

Reported tax rate. 4.68% of premium when Hawaiʻi is the home state ^6,⁷

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.

Questions to Ask Before You Buy Commercial Property in Hawaii

Does our association meet Hawaii’s two-insurer declination and more-than-$10-million total insured value requirements for HHRF?
What is our HHRF attachment point—the Hurricane Master Property Policy limit plus the HHRF 2%-per-building deductible—and how do the two layers fit our building values?
Which policy covers flood and other non-hurricane perils at each association property?
What applications and companion-policy declarations must we submit, and by what date to meet HHRF’s 30-day lead time?
What limit can we obtain under HHRF, and when must the association reapply for renewal?

Commercial Property Insurance in Hawaii: Frequently Asked Questions

Can any Hawaii business apply to the Hawaii Hurricane Relief Fund?

No. HHRF commercial coverage is for eligible condominium and townhouse apartment owners associations; it does not cover individual condo units or businesses generally. ¹

How does the Hawaii HHRF attachment point work?

The HHRF attachment is the Hurricane Master Property Policy limit plus the HHRF policy deductible, which is 2% per building; the underlying hurricane policy limit must be at least $10 million. The attachment can therefore be above $10 million, so ask the producer to map it for your AOAO’s selected limit and building values. ^1,²

Does Hawaii HHRF cover flood damage?

No. The fund’s commercial policy covers hurricane-related wind damage only; the association needs separate coverage for flood and other perils. ¹

Sources for Commercial Property Insurance in Hawaii

1
Hawaii Hurricane Relief Fund. Hawaii Department of Commerce and Consumer Affairs, Insurance Division; Eligibility, type of coverage, maximum limit, policy term, renewal, application requirements, and FAQ. Accessed 2026-09-28.
2
Commissioner’s Memorandum 2025-2A: Hawaii Hurricane Relief Fund to Start Accepting Applications. Hawaii Department of Commerce and Consumer Affairs, Insurance Division; Pages 1–2: eligibility, excess attachment, application timing, and companion policies. Accessed 2026-09-28.
3
Insurance Division. Hawaiʻi Department of Commerce and Consumer Affairs; Official division homepage; scope, license search, complaints, contact information. Accessed 2026-09-28.
4
Insurance Licenses and Registrations. Hawaiʻi Insurance Division; Insurance license information; links to state-based system for license applications and status. Accessed 2026-09-28.
5
Filing a Complaint. Hawaiʻi Insurance Division; Online complaint form and published consumer phone. Accessed 2026-09-28.
6
Surplus Lines Tax. Hawaiʻi Insurance Division; 4.68% rate and home-state application under HRS § 431:8-315. Accessed 2026-09-28.
7
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.
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 Commercial Property Insurance Requirements Apply in Hawaii?

What Is Commercial Property Insurance?

What to Watch for With Commercial Property in Hawaii

Check Who Can Apply

Layer the First $10 Million

Keep Other Perils Covered

Plan for Annual Renewal

Submit The Application Early

Which Commercial Property Providers Have Hawaii License Records?

ERGO NEXT Insurance

TechInsurance

Vouch