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Hawaiʻi Hired and Non-Owned Auto Coverage

Hawaiʻi law requires a motor vehicle insurance policy to provide liability protection for its owner and an operator using the insured vehicle with a reasonable belief that they are entitled to operate it, for covered legal liability arising from vehicle use. The statute separately treats certain U-drive rental operators. Hawaiʻi also sets a first-party PIP payment order, including a priority rule for some temporary substitute vehicles from repair shops or dealers; these are statutory policy requirements and payment rules, not proof that an employer’s HNOA policy applies. 1,2

What Is Hired And Non-Owned Auto?

Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. Read the national Hired and non-owned auto guide.

Hawaii Requirements

RequirementDetails
Permission under a Hawaiʻi auto policyHawaiʻi’s required policy language includes the owner and an operator using the insured vehicle with a reasonable belief that they are entitled to operate it. Confirm the permission and driver facts with the vehicle owner and broker before a work trip. 1

What to Watch for in Hawaii

  • Permission is part of the statutory rule

    HRS § 431:10C-301 requires liability protection under a motor vehicle policy for the owner and an operator using the insured vehicle with a reasonable belief that the operator is entitled to do so. That language does not independently decide whether a particular employee has permission or whether a separate employer policy covers the trip. 1

  • PIP follows a statutory payment order

    For PIP, Hawaiʻi generally looks first to insurance on the vehicle the injured person occupied; for a pedestrian, it looks to the vehicle that caused the injury. The statute also gives a customer’s policy priority over a repair shop or dealer’s policy for a temporary substitute vehicle provided while the customer’s insured vehicle is being repaired. This is a PIP payment rule, not a liability or HNOA coverage determination. 2

  • U-drive rental wording is distinct

    Section 431:10C-301 has a separate clause for a U-drive rental operator with the renter’s express permission concerning damage to another person’s property, along with stated property exceptions. Do not assume that clause resolves physical damage to the rented vehicle or the employer’s contractual obligations. 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. 3,4,5

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

These providers publish a national listing for Hired and non-owned auto; 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 the product is available in Hawaii. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’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

Questions to Ask Before You Buy in Hawaii

  1. Who owns or rents the vehicle, and what evidence shows the employee is entitled to operate it for this trip?
  2. Is the question about liability to someone else, PIP for an injured occupant, or damage to the vehicle itself?
  3. If a substitute vehicle comes from a repair shop or dealer, which policy and claim handler should be contacted about PIP priority?

Hired And Non-Owned Auto in Hawaii: FAQ

Does Hawaiʻi require coverage for a permissive operator? 1

HRS § 431:10C-301 requires a motor vehicle policy to provide liability protection for the owner and an operator who uses the insured vehicle with a reasonable belief that they are entitled to operate it, for legal liability arising from the vehicle’s ownership, operation, maintenance, or use. The statute does not establish that an employer’s separate policy covers every work trip. 1

Which policy is first for PIP in a repair-shop substitute vehicle? 2

Under HRS § 431:10C-305(c)(1), when a registered repair shop or dealer supplies a temporary substitute while the customer’s insured vehicle is being repaired, the customer’s policy is primary over the substitute vehicle’s policy for PIP. The statute separately addresses a shop operating the customer’s vehicle during service. 2

Hired And Non-Owned Auto in Other States

Other Coverage in Hawaii

Sources

  1. Hawaiʻi Revised Statutes § 431:10C-301: Motor Vehicle Insurance Policy. Hawaiʻi State Legislature; § 431:10C-301(a)–(c): required liability protection for owner and operator with reasonable belief of entitlement; property exceptions and U-drive rental provisions. Accessed 2026-09-28.
  2. Hawaiʻi Revised Statutes § 431:10C-305: Source of Payment. Hawaiʻi State Legislature; § 431:10C-305(b)(1), (c)(1)–(2), (d): PIP payment source, substitute vehicle priority, and exclusions. 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.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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