--- title: "Generative AI Liability Insurance in Hawaii" description: "Hawaii’s election-ad disclosure law and first-degree privacy offense create distinct exposure for synthetic media used in advertising or intimate depictions." canonical: "https://spot.insure/coverage/generative-ai-liability/hawaii" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- 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/generative-ai-liability/hawaii) # Generative AI Liability Insurance in Hawaii Hawaii Revised Statutes § 11-303 defines materially deceptive media to include certain AI-created or altered advertising that appears to show a person doing something they did not do; covered election advertisements must carry a disclaimer and the law provides remedies and penalties. Separately, § 711-1110.9 criminalizes specified creation, disclosure, or threatened disclosure of deceptive nude or sexual images without consent and with intent to substantially harm the depicted person.[^1][^2] **Coverage:** [Generative AI liability](/coverage/generative-ai-liability) · [Hawaii](/coverage/states/hawaii) ## What Is Generative AI Liability? Generative AI liability can help pay covered defense costs and losses when someone claims your AI use caused harm, including infringement or data disclosure. If you use or sell AI outputs, check how the policy fits your role and existing liability coverage. [Read the national Generative AI liability guide](/coverage/generative-ai-liability). ## What to Watch for in Hawaii ### Hawaii’s disclaimer rule is tied to election advertising Section 11-303’s definition requires an advertisement, a depiction of speech or conduct that did not occur, a reasonable likelihood viewers will believe it, and specified synthetic or digital creation. Keep proof of the advertisement’s use, source media, alteration, and disclosure; a general product watermark does not necessarily meet the statute’s election-ad wording.[^1] ### The privacy offense requires a specified harm purpose Section 711-1110.9 applies to knowing disclosure or threatened disclosure of an identifiable person nude or engaged in sexual conduct without consent, coupled with intent to substantially harm the person in specified life areas or to act in revenge or retribution. Preserve consent and distribution records for synthetic media rather than treating every generated likeness as a covered offense.[^2] ### Creation itself can trigger the privacy statute Hawaii’s privacy provision reaches intentional creation of specified deepfake images or video as well as disclosure or threat. Assess image-generation features and user uploads, not only public posting controls; the offense is framed around defined intimate depictions and stated intent requirements.[^2] ## 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] - [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.[^6][^7] ## Providers With Documented State Licenses No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. [Check the regulator’s license lookup](https://cca.hawaii.gov/ins/insurance-license-categories/) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy in Hawaii 1. Which of your outputs qualify as advertisements or electioneering communications under § 11-303, and how is the required disclaimer applied? 2. Can the service detect and block intentional creation as well as disclosure of nonconsensual intimate deepfakes? 3. Does the quote distinguish state criminal defense costs and election-related civil remedies from ordinary content disputes? ## Generative AI Liability in Hawaii: FAQ ### Does Hawaii require a label on every AI-generated item? The cited § 11-303 applies to materially deceptive media in the statutory advertisement context; its definition does not create a universal labeling duty for all synthetic content.[^1] ### Can a candidate seek relief over a deceptive election advertisement? Yes. Section 11-303 provides civil remedies to injured parties and criminal penalties for distributing materially deceptive media covered by the section, alongside its disclaimer provisions.[^1] ## Generative AI Liability in Other States - [Alabama](/coverage/generative-ai-liability/alabama) - [Alaska](/coverage/generative-ai-liability/alaska) - [Arizona](/coverage/generative-ai-liability/arizona) - [Arkansas](/coverage/generative-ai-liability/arkansas) - [California](/coverage/generative-ai-liability/california) - [Colorado](/coverage/generative-ai-liability/colorado) - [Connecticut](/coverage/generative-ai-liability/connecticut) - [Delaware](/coverage/generative-ai-liability/delaware) - [District of Columbia](/coverage/generative-ai-liability/district-of-columbia) - [Florida](/coverage/generative-ai-liability/florida) - [Georgia](/coverage/generative-ai-liability/georgia) - [Idaho](/coverage/generative-ai-liability/idaho) - [Illinois](/coverage/generative-ai-liability/illinois) - [Indiana](/coverage/generative-ai-liability/indiana) - [Iowa](/coverage/generative-ai-liability/iowa) - [Kansas](/coverage/generative-ai-liability/kansas) - [Kentucky](/coverage/generative-ai-liability/kentucky) - [Louisiana](/coverage/generative-ai-liability/louisiana) - [Maine](/coverage/generative-ai-liability/maine) - [Maryland](/coverage/generative-ai-liability/maryland) - [Massachusetts](/coverage/generative-ai-liability/massachusetts) - [Michigan](/coverage/generative-ai-liability/michigan) - [Minnesota](/coverage/generative-ai-liability/minnesota) - [Mississippi](/coverage/generative-ai-liability/mississippi) - [Missouri](/coverage/generative-ai-liability/missouri) - [Montana](/coverage/generative-ai-liability/montana) - [Nebraska](/coverage/generative-ai-liability/nebraska) - [Nevada](/coverage/generative-ai-liability/nevada) - [New Hampshire](/coverage/generative-ai-liability/new-hampshire) - [New Jersey](/coverage/generative-ai-liability/new-jersey) - [New Mexico](/coverage/generative-ai-liability/new-mexico) - [New York](/coverage/generative-ai-liability/new-york) - [North Carolina](/coverage/generative-ai-liability/north-carolina) - [North Dakota](/coverage/generative-ai-liability/north-dakota) - [Ohio](/coverage/generative-ai-liability/ohio) - [Oklahoma](/coverage/generative-ai-liability/oklahoma) - [Oregon](/coverage/generative-ai-liability/oregon) - [Pennsylvania](/coverage/generative-ai-liability/pennsylvania) - [Rhode Island](/coverage/generative-ai-liability/rhode-island) - [South Carolina](/coverage/generative-ai-liability/south-carolina) - [South Dakota](/coverage/generative-ai-liability/south-dakota) - [Tennessee](/coverage/generative-ai-liability/tennessee) - [Texas](/coverage/generative-ai-liability/texas) - [Utah](/coverage/generative-ai-liability/utah) - [Vermont](/coverage/generative-ai-liability/vermont) - [Virginia](/coverage/generative-ai-liability/virginia) - [Washington](/coverage/generative-ai-liability/washington) - [West Virginia](/coverage/generative-ai-liability/west-virginia) - [Wisconsin](/coverage/generative-ai-liability/wisconsin) - [Wyoming](/coverage/generative-ai-liability/wyoming) [Other Coverage in Hawaii](/coverage/states/hawaii) ## Sources [^1]: [Hawaii Revised Statutes § 11-303: Materially Deceptive Media](https://data.capitol.hawaii.gov/hrscurrent/Vol01_Ch0001-0042F/HRS0011/HRS_0011-0303.htm) — Hawaii State Legislature; Definitions and provisions added by 2024 Haw. Sess. Laws Act 191: election-ad scope, disclaimer, remedies and penalties. Accessed 2026-09-29. [^2]: [Hawaii Revised Statutes § 711-1110.9: Violation of Privacy in the First Degree](https://data.capitol.hawaii.gov/hrscurrent/Vol14_Ch0701-0853/HRS0711/HRS_0711-1110_9.htm) — Hawaii State Legislature; Subsection (1), including specified nonconsensual deepfake creation, disclosure, and threatened disclosure; amended by Act 190 (2021). Accessed 2026-09-29. [^3]: [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. [^4]: [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. [^5]: [Filing a Complaint](https://cca.hawaii.gov/ins/complaint/) — Hawaiʻi Insurance Division; Online complaint form and published consumer phone. Accessed 2026-09-28. [^6]: [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. [^7]: [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. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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 2026-09-29. 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/generative-ai-liability/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)