Hawaii Crime Insurance Guide

For a Hawaii business, a forged check handled by an employee and a wire sent after a spoofed email are different payment events. Hawaii’s Uniform Commercial Code has separate rules for employee-related check indorsements and for funds transfers, including agreed bank security procedures; those rules allocate rights around payment transactions, not insurance benefits. Map both workflows and ask your broker to identify employee-dishonesty, forgery, funds-transfer, and social-engineering terms separately.

What Is Crime Insurance?

Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. Read the national Crime guide.

What Should You Watch for With Crime Insurance in Hawaii?

Include contractors who can process checks
Hawaii Revised Statutes § 490:3-405 includes a retained independent contractor in its employee definition for a specified fraudulent-indorsement rule. Its definition of responsibility covers more than signing: it includes processing received checks, preparing issued instruments, and controlling their disposition. Ask whether policy definitions and limits reach the people who handle your checks. ¹
Review your bank’s wire security procedure
Hawaii Article 4A addresses agreed security procedures and whether payment orders are authorized or verified. Before a crime renewal, review the procedure your business agreed to with its bank and ask whether the policy distinguishes an unauthorized transfer from an employee-authorized payment made after social engineering. The UCC rule does not establish insurance coverage. ¹
Treat a suspected wire scam as time-sensitive
The FBI recommends contacting your financial institution immediately after discovering business-email compromise and asking it to contact the receiving institution; file a report with IC3 as well. Keep bank contact and policy notice steps in your incident plan. ^2,³

Which Crime Insurance Providers Have Hawaii License Records?

These providers publish a national listing for Crime; 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.

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. ¹⁰
Coalition offers crime insurance through its executive-risks product for private and nonprofit US organizations.
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. ¹¹
Corgi lists crime insurance among its main policies.
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
As of September 16, 2026, Vouch lists crime among the coverages in its technology-company 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. ^4,^5,⁶

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 ^7,⁸

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.

What Should You Ask Before Buying Crime Insurance in Hawaii?

Does the quote cover employee dishonesty involving customer or company checks, including check processing by independent contractors?
How does the policy treat an employee’s voluntary wire payment after a fraudulent vendor or executive message, and is social-engineering coverage subject to a separate sublimit?
Does the bank security procedure we agreed to change how the policy’s funds-transfer wording applies?
What is the insurer’s required notice process for a suspected check or wire loss?

Crime Insurance in Hawaii: Frequently Asked Questions

Does a crime policy automatically treat check fraud and a spoofed wire as the same loss?

No. Hawaii law addresses negotiable instruments and funds transfers in separate parts of its Uniform Commercial Code, and an insurance form’s definitions and insuring agreements control the policy question. Ask the broker to show the relevant clauses for each event. ¹

What should we do immediately after a spoofed wire?

Call your financial institution immediately, request that it contact the receiving institution, and report the incident to IC3. Follow the policy’s own notice instructions too. ^2,³

Sources for Crime Insurance in Hawaii

1
Hawaii Revised Statutes, Chapter 490: Uniform Commercial Code. Hawaii State Legislature; § 490:3-405, employer responsibility for fraudulent indorsement; Article 4A, §§ 490:4A-201 to 490:4A-204, security procedures and unauthorized payment orders. Accessed 2026-09-28.
2
Business Email Compromise. Federal Bureau of Investigation; How BEC scams work; Report BEC. Accessed 2026-09-28.
3
Business Email Compromise. Federal Bureau of Investigation, Internet Crime Complaint Center; What is BEC; What to do in case of a BEC incident. 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.

Hawaii Crime Insurance Guide

What Is Crime Insurance?

What Should You Watch for With Crime Insurance in Hawaii?

Include contractors who can process checks

Review your bank’s wire security procedure

Treat a suspected wire scam as time-sensitive

Which Crime Insurance Providers Have Hawaii License Records?

Coalition

Corgi

Vouch