Hawaii Management Liability Insurance

Hawaii’s Human Rights Law defines an employer broadly to include a person with one or more employees, including state and county government. Hawaii law also requires shareholder approval for certain articles amendments that limit director liability: the measure must receive two-thirds of shares represented and entitled to vote, and also a majority of all shares entitled to vote.

What Is Management Liability Insurance?

Management liability packages can combine D&O and employment-practices coverage for leader and workplace claims, while benefit-plan protection may be a separate part. Shared limits can let a claim in one part reduce what is available for another, so compare the limits across the quote. Read the national Management liability guide.

What to Watch for With Management Liability in Hawaii

Hawaii lists grounds beyond familiar federal categories
HRS §378-2 includes, among other grounds, ancestry, sexual orientation, gender identity or expression, marital status, arrest and court record, reproductive health decisions, and certain domestic- or sexual-violence-victim circumstances. The statutory text includes conditions for some protections; assess the particular allegation rather than treating this as an unqualified list. Ask how the EPL form handles this allegation type, including wage-and-hour exclusions, defense sublimits, and notice triggers. ¹
Private Company Indemnification
Under HRS § 414-222(a)(2), a limitation adopted by amending the articles requires both a two-thirds vote of shares represented and entitled to vote and a majority of all shares entitled to vote. As a private company, compare your bylaws and indemnity agreement with the policy’s advancement language; § 414-222(a)(2) does not itself promise insurance payment. ¹
Hcrc Deadline Changed In 2026
Act 56 changed the HCRC filing period from 180 days to one year, effective on approval May 28, 2026. HCRC says the change applies prospectively and to claims that had not expired on that date; don’t apply the new period to an already-expired claim without legal advice. Ask who will log the first written notice and confirm the policy reporting date. ⁴

Which Management Liability Providers Have Hawaii License Records?

No provider in our research has both a state license record and a listing for 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.

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. ^7,^8,⁹

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 ^10,¹¹

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 Management Liability in Hawaii

Which Hawaii employment-law allegations and agency notices did you account for, and how do the EPL form’s wage-and-hour exclusion and defense sublimit apply?
For our Hawaii private company, when do the charter, bylaws, or indemnification agreements require us to advance a leader’s defense costs, and when does the policy respond?
Does the quote include fiduciary-liability coverage, and which plan fiduciaries need a separate ERISA fidelity bond?
Does the policy treat an agency charge, written demand, and filed lawsuit as separate claim triggers, and what notice date applies to each?

Management Liability Insurance in Hawaii: Frequently Asked Questions

What employment-law exposure should a Hawaii business discuss when buying management liability?

Hawaii’s Human Rights Law defines an employer broadly to include a person with one or more employees, including state and county government. The policy notice deadline is separate from any agency filing deadline. ^3,⁴

Does Hawaii corporate law determine what a D&O policy pays?

Hawaii law also requires shareholder approval for certain articles amendments that limit director liability: the measure must receive two-thirds of shares represented and entitled to vote, and also a majority of all shares entitled to vote. The statute does not itself define what the insurer must defend or pay; check those terms in the policy. ^3,^4,¹

Is a plan fidelity bond the same as fiduciary-liability insurance for a Hawaii business?

No. ERISA requires a fidelity bond for covered plan fiduciaries who handle plan funds; Hawaii law also requires shareholder approval for certain articles amendments that limit director liability: the measure must receive two-thirds of shares represented and entitled to vote, and also a majority of all shares entitled to vote addresses a separate company-law issue. Ask whether the policy includes fiduciary-liability coverage in addition to the bond. ^4,^5,^6,¹

Sources for Management Liability Insurance in Hawaii

1
Hawaii Revised Statutes § 414-222. Hawaii State Legislature; § 414-222(a)–(c), shareholder vote and liability exceptions. Accessed 2026-09-28.
2
Hawaii Revised Statutes § 414-242. Hawaii State Legislature; § 414-242(a), (d), permissible indemnification standard and limits. Accessed 2026-09-28.
3
Hawaii Revised Statutes §378-1: Definitions. Hawaii State Legislature; Current HRS §378-1, “employer” definition. Accessed 2026-09-28.
4
Governor’s Message 1156, Act 56 (2026). Hawaii State Legislature; Signed Act 56 amending HRS §368-11(c); approved May 28, 2026 and effective upon approval. Accessed 2026-09-28.
5
29 U.S.C. § 1112, ERISA fidelity bonding. U.S. Government Publishing Office; ERISA § 412(a)–(e): covered plan fiduciaries and persons handling plan funds/property; fraud-or-dishonesty protection; statutory exceptions; amount and procurement rules. Authenticated U.S. Code text records amendments through 2019, accessed 2026-09-28. Accessed 2026-09-28.
6
29 C.F.R. § 2580.412-6, Handling test for ERISA bonding. Office of the Federal Register, Electronic Code of Federal Regulations; Current eCFR displayed as of 2026-09-24; § 2580.412-6(a)–(b): risk-based handling definition, access/control/disbursement examples, negligible-risk qualification. Accessed 2026-09-28.
7
Insurance Division. Hawaiʻi Department of Commerce and Consumer Affairs; Official division homepage; scope, license search, complaints, contact information. Accessed 2026-09-28.
8
Insurance Licenses and Registrations. Hawaiʻi Insurance Division; Insurance license information; links to state-based system for license applications and status. Accessed 2026-09-28.
9
Filing a Complaint. Hawaiʻi Insurance Division; Online complaint form and published consumer phone. Accessed 2026-09-28.
10
Surplus Lines Tax. Hawaiʻi Insurance Division; 4.68% rate and home-state application under HRS § 431:8-315. Accessed 2026-09-28.
11
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.
12
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
13
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.
14
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.
15
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.
16
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.
17
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.
18
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.