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Last-mile delivery insurance in Hawaii

HRS § 431:10C-703 requires primary motor-vehicle liability of $50,000 per person, $100,000 per accident, and $25,000 property damage while a driver is logged on and not in a prearranged ride, and it puts defense costs outside those limits. On a prearranged ride the primary limit is $1 million, again with defense costs outside the limit. Section 431:10C-701 defines the arrangement as connecting and transporting passengers. The Insurance Division's study of Act 236 reported that all but two surveyed insurers exclude TNC activity. 1,2,3

What Is Last-Mile Delivery?

Last-mile delivery insurance is not one standard policy: vehicle liability, vehicle damage and cargo protection can be separate. If your staff deliver orders in company, rented or personal vehicles, check each vehicle, cargo and worker-injury exposure in the quote. Read the national Last-mile delivery guide.

Hawaii Requirements

RequirementDetails
Logged on, not on a prearranged ride$50,000 / $100,000 / $25,000, defense costs outside the limits 1
Prearranged ride$1 million, defense costs outside the limit 1

What to Watch for in Hawaii

  • Defense Costs Sit Outside the Limit

    Both the logged-on and on-ride duties in § 431:10C-703 say costs of defense are outside the liability limits. A quote that burns defense inside a $50,000 or $1 million limit does not match that wording. Ask whether the defense obligation is unlimited or capped somewhere else in the form. 1

  • The Statute Describes Passengers

    Section 431:10C-701 defines a prearranged ride as transportation to a passenger and a transportation network company as connecting passengers to drivers. The insurance section does not extend those limits to delivery of food, parcels, or property. Do not use the $1 million ride limit as a grocery-delivery filing. 2

  • Most Surveyed Insurers Exclude the Activity

    The Insurance Division's Act 236 study said that, of the insurers surveyed, all but two exclude coverage for TNC activity. A personal auto policy can drop out at log-on even though the statute still requires primary coverage. Confirm whether your policy is one of the exclusions, and who provides the primary limit if it is. 3

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

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

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 and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Hawaii

  1. Are defense costs outside the $50,000/$100,000/$25,000 and $1 million limits, as § 431:10C-703 states?
  2. Does the personal auto policy exclude TNC activity the way most insurers in the Act 236 study did?
  3. Is this a passenger connection under § 431:10C-701, or a goods delivery the section does not describe?

Last-Mile Delivery in Hawaii: FAQ

What liability limit does Hawaii require before a prearranged ride starts? 1

$50,000 per person, $100,000 per accident, and $25,000 property damage, with defense costs outside those limits, under HRS § 431:10C-703. 1

Do Hawaii personal auto insurers cover transportation-network driving? 3

Usually not. The Insurance Division's Act 236 study said all but two surveyed insurers exclude TNC activity. 3

Last-Mile Delivery in Other States

Other Coverage in Hawaii

Sources

  1. HRS § 431:10C-703 Transportation network company insurance requirements. Hawaii State Legislature; § 431:10C-703(b), (c)(1), (d)(1); L 2016, c 236, pt of §2. Accessed 2026-09-29.
  2. HRS § 431:10C-701 Definitions. Hawaii State Legislature; Definitions of prearranged ride, transportation network company, and transportation network company driver. Accessed 2026-09-29.
  3. Annual Study on the Impact of Act 236, SLH 2016. Hawaii Insurance Division, Department of Commerce and Consumer Affairs; December 2016 survey findings on personal auto TNC exclusions. Accessed 2026-09-29.
  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.

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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