--- title: "Cyber Liability Insurance in Hawaii" description: "Hawaii notice applies to a narrowly defined security breach; more than 1,000 notices at one time trigger written state and credit-agency reports." canonical: "https://spot.insure/coverage/cyber/hawaii" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/cyber/hawaii) # Cyber Liability Insurance in Hawaii Hawaii’s Chapter 487N defines personal information as a resident’s first name or initial and last name combined with an SSN, Hawaii driver’s-license or identification-card number, or an account/card number, access code, or password that permits access to a financial account, when the name or data element is not encrypted. A security breach generally requires unauthorized access and acquisition of unencrypted or unredacted records containing that information plus actual or reasonably likely illegal use that creates a risk of harm. Unauthorized access and acquisition of encrypted records with the confidential key also qualifies; a good-faith employee or agent acquisition for a legitimate business purpose is excluded only if it is not used for a purpose other than a lawful purpose of the business and is not subject to further unauthorized disclosure. A business that owns or licenses Hawaii residents’ personal information, a business conducting business in Hawaii that owns or licenses personal information in any form, or a government agency collecting personal information for specific government purposes must notify affected persons without unreasonable delay. Separately, a business located in or conducting business in Hawaii that maintains Hawaii-resident personal-information records it does not own or license must notify the owner or licensee immediately after discovery; government-agency maintainers have a separate duty. A law-enforcement delay requires the statutory written request or contemporaneous written record naming the officer and agency, with notice resuming without unreasonable delay after the agency communicates that notice will no longer impede the investigation or jeopardize national security.[^1][^3] **Coverage:** [Cyber liability](/coverage/cyber) · [Hawaii](/coverage/states/hawaii) ## What Is Cyber Liability? 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](/coverage/cyber). ## What to Watch for in Hawaii ### Document and Resume Any Law-Enforcement Delay Law enforcement can trigger a delay only by informing the business or government agency that notice may impede a criminal investigation or jeopardize national security and requesting it. The request must be written, or the entity must contemporaneously document it with the officer’s name and agency; resume without unreasonable delay after law enforcement communicates that notice will no longer impede the investigation or jeopardize national security. Hawaii otherwise requires notice without unreasonable delay and gives no fixed day count.[^1] ### More Than 1,000 Notices Add Two Recipients If a business provides notice to more than 1,000 people at one time, it must notify Hawaii’s Office of Consumer Protection and nationwide consumer reporting agencies in writing, without unreasonable delay, about the timing, distribution, and content of the resident notice. Build those two filings into the same incident checklist.[^1] ### An Injured Resident May Seek Actual Damages In addition to the chapter’s public penalty, a business that violates Hawaii’s personal-information-protection chapter is liable to an injured party for actual damages caused by the violation; a court may award reasonable attorneys’ fees to the prevailing party. Ask whether the policy addresses defense costs for statutory breach-notice claims; the law does not determine the policy response.[^2] ### Hawaii Specifies What Consumer Notices Must Say The notice must describe the incident generally, the information involved, and steps taken to protect it; it also advises recipients to remain vigilant and review accounts and credit reports. For a large mailing, ask who prepares consistent notice content before the OCP and CRA reports go out.[^1] ### Specified Financial and Health Entities Have a Compliance Route Section 487N-2(g) deems compliant a financial institution subject to the specified federal interagency guidance or 12 C.F.R. Part 748, and a health plan or health-care provider subject to and complying with HIPAA privacy and security standards. Check whether the actual entity meets that description before relying on the route.[^1] ### Hawaii’s Notice Rule Has a Narrow Data and Harm Trigger The chapter covers specified name-and-data combinations: Social Security number, Hawaii driver’s-license or identification-card number, or an account number, credit or debit card number, access code, or password that would permit access to a financial account. For ordinary records, the breach definition requires unauthorized access and acquisition of unencrypted or unredacted records plus illegal or reasonably likely illegal use that creates a risk of harm. Access and acquisition of encrypted data with its confidential key also qualifies. A good-faith employee or agent acquisition for a legitimate purpose is excluded only if the information is not used for a purpose other than a lawful purpose of the business and is not subject to further unauthorized disclosure; do not treat every unauthorized data event as a Chapter 487N breach.[^3] ### A Business Maintainer Must Alert the Data Owner A business located in Hawaii or conducting business there that maintains or possesses Hawaii-resident personal-information records it does not own or license must notify the owner or licensee immediately after discovery of a breach, subject to the law-enforcement rule. A government agency that maintains or possesses residents’ records has a separate duty. Confirm which vendor holds each data set, its Hawaii incident contact, and how the immediate owner handoff works.[^1] ## 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] - [Regulator website](https://cca.hawaii.gov/ins/) - [License lookup](https://cca.hawaii.gov/ins/insurance-license-categories/) - [File a complaint](https://cca.hawaii.gov/ins/complaint/) - Phone: 1-844-808-3222 ### 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 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 that the product is available in Hawaii; [check the regulator’s license lookup](https://cca.hawaii.gov/ins/insurance-license-categories/) and confirm state availability for your business when requesting a quote. - [At-Bay](/insurance-providers/at-bay) — **Entity:** At-Bay Insurance Services LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** 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.[^9] - [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** 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] - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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] - [Hiscox](/insurance-providers/hiscox) — **Entity:** Hiscox Insurance Company Inc.; **role:** Insurer; **checked:** 2026-09-28. **Scope:** 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.[^12] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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.[^14] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** 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] ## Questions to Ask Before You Buy in Hawaii 1. How will the response team document Hawaii’s no-unreasonable-delay timing and any law-enforcement hold? 2. If more than 1,000 people receive notice at once, who sends written reports to the Hawaii Office of Consumer Protection and nationwide consumer reporting agencies? 3. Does our policy address defense costs for a claim by an injured person under HRS § 487N-3(b), subject to its wording? 4. Which vendor maintains or possesses Hawaii-resident personal-information records we do not own or license, and who must notify us immediately after a breach? 5. Is the insured entity a financial institution or HIPAA-covered health plan/provider that meets every condition in HRS § 487N-2(g)? 6. Does the affected dataset match Hawaii’s defined personal-information and breach triggers, including the encryption, key, illegal-use, and risk-of-harm conditions? ## Cyber Liability in Hawaii: FAQ ### How quickly must a Hawaii business notify residents after a breach? Without unreasonable delay; Hawaii sets no fixed day count. A delay requires a written law-enforcement request, or contemporaneous entity documentation naming the officer and agency, and notice resumes without unreasonable delay when law enforcement communicates that it will no longer impede the investigation or jeopardize national security.[^1] ### When does Hawaii require notice to the Office of Consumer Protection? When a business provides notice to more than 1,000 people at one time; it must also send a written notice to nationwide consumer reporting agencies about the timing, distribution, and content of resident notice.[^1] ### Can a Hawaii resident sue a business over a breach-notification violation? An injured party may seek actual damages resulting from a business’s violation of Chapter 487N, and a court may award reasonable attorneys’ fees to the prevailing party; government agencies are excluded from this civil action.[^2] ### Does Hawaii exempt every bank or health-care business from its breach-notice law? No. Section 487N-2(g) deems compliant only the financial institutions it specifies and health plans or providers subject to and in compliance with the stated HIPAA standards; verify that the entity meets the route’s conditions.[^1] ## Cyber Liability in Other States - [Alabama](/coverage/cyber/alabama) - [Alaska](/coverage/cyber/alaska) - [Arizona](/coverage/cyber/arizona) - [Arkansas](/coverage/cyber/arkansas) - [California](/coverage/cyber/california) - [Colorado](/coverage/cyber/colorado) - [Connecticut](/coverage/cyber/connecticut) - [Delaware](/coverage/cyber/delaware) - [District of Columbia](/coverage/cyber/district-of-columbia) - [Florida](/coverage/cyber/florida) - [Georgia](/coverage/cyber/georgia) - [Idaho](/coverage/cyber/idaho) - [Illinois](/coverage/cyber/illinois) - [Indiana](/coverage/cyber/indiana) - [Iowa](/coverage/cyber/iowa) - [Kansas](/coverage/cyber/kansas) - [Kentucky](/coverage/cyber/kentucky) - [Louisiana](/coverage/cyber/louisiana) - [Maine](/coverage/cyber/maine) - [Maryland](/coverage/cyber/maryland) - [Massachusetts](/coverage/cyber/massachusetts) - [Michigan](/coverage/cyber/michigan) - [Minnesota](/coverage/cyber/minnesota) - [Mississippi](/coverage/cyber/mississippi) - [Missouri](/coverage/cyber/missouri) - [Montana](/coverage/cyber/montana) - [Nebraska](/coverage/cyber/nebraska) - [Nevada](/coverage/cyber/nevada) - [New Hampshire](/coverage/cyber/new-hampshire) - [New Jersey](/coverage/cyber/new-jersey) - [New Mexico](/coverage/cyber/new-mexico) - [New York](/coverage/cyber/new-york) - [North Carolina](/coverage/cyber/north-carolina) - [North Dakota](/coverage/cyber/north-dakota) - [Ohio](/coverage/cyber/ohio) - [Oklahoma](/coverage/cyber/oklahoma) - [Oregon](/coverage/cyber/oregon) - [Pennsylvania](/coverage/cyber/pennsylvania) - [Rhode Island](/coverage/cyber/rhode-island) - [South Carolina](/coverage/cyber/south-carolina) - [South Dakota](/coverage/cyber/south-dakota) - [Tennessee](/coverage/cyber/tennessee) - [Texas](/coverage/cyber/texas) - [Utah](/coverage/cyber/utah) - [Vermont](/coverage/cyber/vermont) - [Virginia](/coverage/cyber/virginia) - [Washington](/coverage/cyber/washington) - [West Virginia](/coverage/cyber/west-virginia) - [Wisconsin](/coverage/cyber/wisconsin) - [Wyoming](/coverage/cyber/wyoming) [Other Coverage in Hawaii](/coverage/states/hawaii) ## Sources [^1]: [Hawaii Revised Statutes § 487N-2 - Security Breach of Personal Information](https://data.capitol.hawaii.gov/hrscurrent/Vol11_Ch0476-0490/HRS0487N/HRS_0487N-0002.htm) — Hawaii State Legislature; HRS § 487N-2(a)–(c), (f), and (g): business and government-purpose resident-notice scope; separate maintainer alert; timing and documented law-enforcement delay; >1,000 reporting; specified federal compliance route. Accessed 2026-09-28. [^2]: [Hawaii Revised Statutes § 487N-3 - Penalties; Civil Action](https://data.capitol.hawaii.gov/hrscurrent/Vol11_Ch0476-0490/HRS0487N/HRS_0487N-0003.htm) — Hawaii State Legislature; § 487N-3(a)–(b): public penalty, actual-damages action, attorneys’ fees; government-agency exception. Accessed 2026-09-28. [^3]: [Hawaii Revised Statutes § 487N-1 - Definitions](https://data.capitol.hawaii.gov/hrscurrent/Vol11_Ch0476-0490/HRS0487N/HRS_0487N-0001.htm) — Hawaii State Legislature; HRS § 487N-1: definitions of personal information, encryption, redaction, security breach, and qualifying good-faith employee/agent acquisition. Accessed 2026-09-28. [^4]: [Insurance Division](https://cca.hawaii.gov/ins/) — 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](https://cca.hawaii.gov/ins/insurance-license-categories/) — Hawaiʻi Insurance Division; Insurance license information; links to state-based system for license applications and status. Accessed 2026-09-28. [^6]: [Filing a Complaint](https://cca.hawaii.gov/ins/complaint/) — Hawaiʻi Insurance Division; Online complaint form and published consumer phone. Accessed 2026-09-28. [^7]: [Surplus Lines Tax](https://cca.hawaii.gov/ins/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](https://www.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435/HRS0431/HRS_0431-0016-0105.htm) — 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](https://www.at-bay.com/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](https://www.coalitioninc.com/legal/licenses) — 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](https://www.corgi.insure/broker-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](https://www.hiscox.com/about-hiscox-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](https://www.nextinsurance.com/insurance-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](https://www.techinsurance.com/legal/licenses) — 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](https://www.vouch.us/legal/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 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/cyber/hawaii.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)