---
title: "Business Insurance in Hawaii"
description: "37 state-specific insurance coverage guides, plus Hawaiʻi Insurance Division contact and license lookup resources for Hawaii."
canonical: "https://spot.insure/coverage/states/hawaii"
page-type: "coverage-state-hub"
updated-at: "2026-09-28"
---

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[Human-readable page](https://spot.insure/coverage/states/hawaii)

# Business Insurance in Hawaii

## Insurance Regulator

**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.[^1][^2][^3]

- [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.[^4][^5]

## Coverage Guides

- [General Liability Insurance in Hawaii](/coverage/general-liability/hawaii): Hawaii compares a claimant’s fault with the defendants’ combined fault, and generally gives two years after accrual for personal or property injury claims.
- [Directors and Officers (D&O) Insurance in Hawaii](/coverage/directors-officers/hawaii): Check Hawaii’s shareholder-vote conditions for director exculpation and the separate statutory indemnification standard.
- [Technology E&O Insurance in Hawaii](/coverage/technology-errors-omissions/hawaii): Review Hawaii procurement examples for technology services, cyber liability and contract-specific insurance terms.
- [Cyber Liability Insurance in Hawaii](/coverage/cyber/hawaii): Hawaii notice applies to a narrowly defined security breach; more than 1,000 notices at one time trigger written state and credit-agency reports.
- [Media liability in Hawai‘i](/coverage/media/hawaii): Hawai‘i’s public-expression law includes press rights but draws a specific line around sales-related claims.
- [Hawaii employment practices: broad state reach and a changed HCRC deadline](/coverage/employment-practices/hawaii): Hawaii’s one-employee state-law definition and 2026 change to the HCRC complaint period make scope and dates central to employment-risk planning.
- [Fiduciary Liability Insurance in Hawaii](/coverage/fiduciary/hawaii): Review Hawaii retirement-program and payroll duties alongside the employer’s plan-sponsor responsibilities.
- [Hawaiʻi Hired and Non-Owned Auto Coverage](/coverage/hired-non-owned-auto/hawaii): Hawaiʻi’s vehicle-policy language and PIP payment priorities matter when work involves a borrowed or substitute vehicle.
- [Professional Liability (E&O) Insurance in Hawaii](/coverage/professional-errors-omissions/hawaii): Review Hawaii's escrow-depository E&O minimum, alternative security option, and the narrower scope of this mandate.
- [Workers’ Compensation Insurance in Hawaii](/coverage/workers-compensation/hawaii): See Hawaii’s one-employee rule, employer-only premium obligation, and approval requirements for self-insurance.
- [Hawaiʻi BOP: Separate Flood and Hurricane Decisions from the Package](/coverage/business-owners-policy/hawaii): Compare a Hawaiʻi BOP’s property, liability and income terms with island-specific flood exposure, then determine whether separate flood or hurricane property protection is relevant to your premises.
- [Hawaiʻi Umbrella and Excess Liability Guide](/coverage/umbrella-excess/hawaii): Separate Hawaiʻi contractor licensing insurance from the larger limits a project, vehicle schedule, or customer contract may call for.
- [Hawaii Medical Malpractice Insurance Guide](/coverage/medical-malpractice/hawaii): Check telehealth terms, claim-reporting coordination and panel-related premium rules before choosing a Hawaii malpractice policy.
- [Representations and Warranties Insurance in Hawaii](/coverage/representations-warranties/hawaii): Check Hawaii contract claim deadlines against negotiated representation survival, policy notice dates, and any home-state surplus-lines tax.
- [Kidnap and Ransom Insurance in Hawaii](/coverage/kidnap-ransom/hawaii): Hawaii businesses can see when an exempt commercial purchaser may skip admitted-market search and what the placement still requires.
- [Hawaii Crime Insurance Guide](/coverage/crime/hawaii): Compare check-theft and wire-fraud terms separately in Hawaii, where the Uniform Commercial Code treats negotiable checks and funds transfers in different articles.
- [Commercial Auto Insurance in Hawaii](/coverage/commercial-auto/hawaii): Hawaii increased motor-vehicle policy liability minimums effective January 1, 2026, and provides a commercial HJUP route.
- [Cargo Insurance in Hawaii](/coverage/cargo-transit/hawaii): Compare cargo protection by transport leg in Hawaii, where motor-carrier security and interisland water tariffs follow different systems.
- [Liquor liability insurance in Hawaii](/coverage/liquor-liability/hawaii): Hawaii’s service prohibitions and court-defined claimant class shape the exposure.
- [Key Person Insurance in Hawaii](/coverage/key-person/hawaii): Learn how Hawaii insurable-interest rules, employee consent, and life guaranty limits affect a business-owned key person policy.
- [Product liability in Hawaiʻi](/coverage/product-liability/hawaii): Hawaiʻi product-liability guide to injury deadlines and the separate timing rule for sales-warranty claims.
- [Commercial Property Insurance in Hawaii](/coverage/commercial-property/hawaii): Check whether Hawaii’s hurricane-only excess fund applies to your apartment owners association and how to layer it with primary property coverage.
- [Garage Liability Insurance in Hawaii](/coverage/garage-liability/hawaii): Hawaii’s required auto liability excludes property in the insured’s care, while dealer premises may include accessory repair and storage operations.
- [Inland Marine Insurance in Hawaiʻi](/coverage/inland-marine/hawaii): A 2025 Hawaiʻi state lease specifies builder’s-risk cover for project property in transit, while contractor licensing separately checks liability and workers’ compensation.
- [Hawaii Public Procurement Bonds](/coverage/surety-bonds/hawaii): Hawaii contractors bidding state or county procurements should match security to the solicitation’s construction, goods, or services category.
- [Builders Risk in Hawaii](/coverage/builders-risk/hawaii): Screen the parcel against Hawaii's official flood products and, on Hawaii Island, the USGS lava-flow hazard map before setting site and quote assumptions.
- [Hawaii Equipment Breakdown Insurance Guide](/coverage/equipment-breakdown/hawaii): For Hawaii boilers and pressure equipment, confirm which work needs plan review and what permits or inspections could delay return to service.
- [Hawaii Management Liability Insurance](/coverage/management-liability/hawaii): Compare Hawaii employment-law exposure and company indemnification duties with D&O and EPL policy terms.
- [Product Recall Insurance in Hawaii](/coverage/product-recall/hawaii): Learn Hawaii’s embargo deadlines, claimant-paid disposition costs, and the home-kitchen exception; the HRS text was retrieved from a January 2026 code snapshot.
- [Fidelity Bonds for Hawaii Condominium Associations](/coverage/fidelity-bonds/hawaii): Hawaii sets a unit-count formula and a $20,000–$200,000 range for covered condominium associations, while managing-agent duties sit in a separate statute.
- [Intellectual Property Insurance in Hawaii](/coverage/intellectual-property/hawaii): Compare Hawaii rules that affect trade-secret controls, employee inventions, and public disclosures when you evaluate IP insurance.
- [Check Hawaii insolvency eligibility against the buyer and policy](/coverage/contract-frustration/hawaii): Hawaii excludes financial-guaranty and investment-risk insurance from its property-and-liability guaranty association, and separately limits who can make covered claims.
- [Venture Capital Asset Protection Insurance in Hawaii](/coverage/venture-capital-asset-protection/hawaii): Check how Hawaii adviser rules and fund entity structure affect a venture capital manager’s insurance review.
- [Digital-asset custody questions for Hawaii businesses](/coverage/digital-assets/hawaii): Hawaii ended its digital-currency pilot, so buyers should verify the actual custody and insurance relationship.
- [Telehealth Insurance in Hawaii](/coverage/virtual-care-telehealth/hawaii): Compare Hawaii’s physician rules for telehealth prescribing with the state’s separate health-plan reimbursement conditions for audio-only mental-health care.
- [Employee Health Benefits in Hawaii](/coverage/employee-health-benefits/hawaii): Hawaii’s Prepaid Health Care Act changes employee eligibility, employer contributions and plan approval for many private workforces.
- [Hawaii trucking insurance: align PUC authority and island service](/coverage/trucking/hawaii): For a Hawaii property carrier, match insurance and vehicle evidence to the PUC carrier certificate and the island or service class you plan to operate.

State information is based on the cited sources. Confirm current requirements with the regulator and discuss your circumstances with a licensed insurance professional.

## Sources

[^1]: [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.
[^2]: [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.
[^3]: [Filing a Complaint](https://cca.hawaii.gov/ins/complaint/) — Hawaiʻi Insurance Division; Online complaint form and published consumer phone. Accessed 2026-09-28.
[^4]: [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.
[^5]: [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.
[^6]: [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.
[^7]: [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.
[^8]: [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.
[^9]: [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.
[^10]: [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.
[^11]: [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.
[^12]: [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 2026-09-28.

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