What General Liability Insurance Requirements Apply in Hawaii?

In Hawaii, a claimant can recover when their fault is no greater than the defendant’s fault, or the combined fault of multiple defendants; damages are reduced by the claimant’s share. The two-year period in §657-7 runs from accrual and has statutory exceptions, so classify the claim before using it as a buying or reporting deadline.

What Is General Liability Insurance?

General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. Read the national General liability guide.

What Should You Watch for With General Liability Insurance in Hawaii?

Compare Against the Defendants
Hawaii reduces damages by the claimant’s fault; with multiple defendants, the comparison uses their aggregate fault. Ask how a claim involving several contractors or a property owner assigns each party’s share when sizing your own liability limit. ¹
A Fault Tie Does Not Bar Recovery
Section 663-31 allows recovery when claimant fault is not greater than the relevant defendant or defendants’ fault. The award is still reduced, so preserve records that help establish both your conduct and other parties’ roles. ¹
The Two-Year Clock Runs From Accrual
Section 657-7 generally covers actions to recover compensation for personal or property injury within two years after accrual, except matters governed by §657-13. Ask counsel to identify accrual and any exception; this is not a policy notice period. ²

Which General Liability Providers Have Hawaii License Records?

These providers publish a national listing for General liability; 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.

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. ¹⁰
Corgi lists commercial general liability among its business insurance offerings.
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 offers online general liability quotes and purchasing for eligible businesses.
Hiscox
Insurer · checked 2026-09-28
Hiscox Insurance Company Inc.
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. ¹¹
Hiscox offers general liability insurance for small businesses.
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 general liability 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
Vouch lists general liability among the core 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. ^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 General Liability in Hawaii

If a claimant and several defendants share fault, how will Hawaii’s comparison group affect our liability share?
What event starts accrual for this specific claim, and does §657-13 apply?
Which incident records should we preserve to show other parties’ roles and the claimant’s fault?

General Liability Insurance in Hawaii: Frequently Asked Questions

Does Hawaii bar a claim when the claimant shares fault?

No, if claimant fault is no greater than the defendant’s fault, or the combined fault of multiple defendants. The court reduces damages in proportion to claimant fault under HRS §663-31. ¹

How long does someone have to bring an injury claim in Hawaii?

Generally two years after accrual under HRS §657-7 for injury to a person or property, subject to §657-13 and claim-specific accrual rules. ²

Sources for General Liability Insurance in Hawaii

1
Hawaii Revised Statutes §663-31. Hawaii State Legislature; §663-31(a)–(d); text and history directly reviewed. Accessed 2026-09-28.
2
Hawaii Revised Statutes §657-7. Hawaii State Legislature; §657-7; two-year period and §657-13 exception. 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 General Liability Insurance Requirements Apply in Hawaii?

What Is General Liability Insurance?

What Should You Watch for With General Liability Insurance in Hawaii?

Compare Against the Defendants

A Fault Tie Does Not Bar Recovery

The Two-Year Clock Runs From Accrual

Which General Liability Providers Have Hawaii License Records?

Corgi

ERGO NEXT Insurance

Hiscox

TechInsurance

Vouch