What Kidnap and Ransom Insurance Requirements Apply in Hawaii?

Hawaii limits ordinary surplus-lines K&R to coverage exceeding what authorized insurers can provide and bars a rate below the lowest generally acceptable admitted-market rate for substantially the same protection. A qualifying exempt commercial purchaser can bypass the diligent search only after disclosure and a later written request.

What Is Kidnap and Ransom Insurance?

Kidnap and ransom insurance provides financial protection for specified kidnapping and extortion events and gives the business access to a crisis-response firm. Check who is insured, which events are named, and how territory and sanctions terms apply to your actual travel. Read the national Kidnap and ransom guide.

What Should You Watch for With Kidnap and Ransom Insurance in Hawaii?

The ECP Search Waiver Has Two Steps
Hawaii’s statute waives the diligent search for an exempt commercial purchaser only if the broker first discloses that admitted insurance may provide greater protection and oversight, then receives the purchaser’s later written request. Ask which named insured qualifies under the federal ECP definition and keep both records with the K&R submission. ^1,³
Compare Any Admitted Layer and Rate
For a buyer outside the ECP route, HRS §431:8-301 requires the surplus-lines placement to be in addition to or excess of coverage obtainable from authorized insurers and bars a rate below the lowest rate generally acceptable to admitted insurers for substantially the same protection. Ask whether an admitted insurer can cover part of the requested K&R limit and how the quoted layer is priced. ¹
Hawaii Tax Applies Only When It Is the Home State
DCCA states a single 4.68% surplus-lines tax applies when Hawaii is the insured’s home state; federal law defines home state by principal place of business (or residence for an individual), with a premium-allocation rule when all risk is elsewhere. Ask the broker to identify the named insured and show the tax separately from premium and fees. ^2,³

Which Kidnap and Ransom Providers Have Hawaii License Records?

These providers publish a national listing for Kidnap and ransom; 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. ¹¹
Corgi lists kidnap and ransom among its specialized business-insurance offerings.

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.

Questions to Ask Before You Buy Kidnap and Ransom in Hawaii

Does the named insured qualify as a federal exempt commercial purchaser, and can we keep the disclosure and later written request?
Can an authorized insurer cover part of the requested K&R limit, and how does the surplus layer satisfy Hawaii’s rate rule?
Which insured entity makes Hawaii the home state for this placement, and is the 4.68% tax listed separately?
Which people, destinations, events, and response expenses are stated in the actual K&R policy?

Kidnap and Ransom Insurance in Hawaii: Frequently Asked Questions

Can an exempt commercial purchaser skip Hawaii’s K&R admitted-market search?

Yes, if it meets the exempt-commercial-purchaser definition and the broker first discloses the admitted-market tradeoff before receiving the purchaser’s written placement request. ^1,³

When does Hawaii charge its surplus-lines tax on K&R?

DCCA states that the 4.68% rate applies to surplus-lines insurance for which Hawaii is the insured’s home state. ²

Sources for Kidnap and Ransom Insurance in Hawaii

1
Act 68, Session Laws of Hawaii 2011. Hawaii Legislature; Act 68, §§5 and 8 amending HRS §§431:8-102 and 431:8-301: ECP definition and exemption; excess/price limits for ordinary placement. Accessed 2026-09-28.
2
Surplus Lines Tax. Hawaii Department of Commerce and Consumer Affairs, Insurance Division; Current tax page: 4.68% applies when Hawaii is insured’s home state; gross premium definition. Accessed 2026-09-28.
3
15 U.S.C. §§8202, 8205–8206, Nonadmitted Insurance. Office of the Law Revision Counsel, U.S. House of Representatives; Current preliminary U.S. Code: §§8202(a), (d) and (f) home-state scope; 8205 ECP search waiver; 8206(5)–(6) purchaser and home-state definitions. 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.

What Kidnap and Ransom Insurance Requirements Apply in Hawaii?

What Is Kidnap and Ransom Insurance?

What Should You Watch for With Kidnap and Ransom Insurance in Hawaii?

The ECP Search Waiver Has Two Steps

Compare Any Admitted Layer and Rate

Hawaii Tax Applies Only When It Is the Home State