Key Takeaways
- The Hawaii Insurance Division operates under the Department of Commerce and Consumer Affairs (DCCA)
- The Insurance Commissioner is APPOINTED by the DCCA Director with Governor approval
- Hawaii does NOT require pre-license education for insurance licenses
- Insurance law is found in Hawaii Revised Statutes Title 24, Chapters 431-435
- The Division handles licensing, rate review, consumer protection, and market conduct
Hawaii Insurance Division
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The Hawaii Insurance Division is the state agency responsible for regulating the insurance industry in Hawaii, operating under the Department of Commerce and Consumer Affairs (DCCA).
The Insurance Commissioner
The Hawaii Insurance Commissioner is:
| Detail | Information |
|---|---|
| Selection Method | APPOINTED by DCCA Director with Governor approval |
| Reports To | Director of Commerce and Consumer Affairs |
| Term | Serves at pleasure of DCCA Director |
| Agency | Insurance Division (DCCA) |
Exam Tip: Remember that Hawaii's Insurance Commissioner is APPOINTED, not elected. The Commissioner is appointed by the Director of Commerce and Consumer Affairs with the approval of the Governor.
Hawaii Insurance Division
The Insurance Division is responsible for:
- Licensing insurance producers, adjusters, and companies
- Regulating insurance rates and forms
- Protecting consumers and handling complaints
- Conducting market conduct examinations
- Enforcing insurance laws and regulations
- Monitoring insurer solvency
Division Functions
| Function | Description |
|---|---|
| Licensing | Issues and renews producer licenses |
| Rate Review | Reviews and approves insurance rates |
| Consumer Services | Handles complaints and inquiries |
| Examinations | Conducts market conduct exams |
| Enforcement | Investigates violations |
Hawaii Insurance Code
Hawaii insurance law is found in Hawaii Revised Statutes (HRS) Title 24:
Key Chapters
| Chapter | Subject |
|---|---|
| Chapter 431 | Insurance Code |
| Chapter 431K | Captive Insurance Companies |
| Chapter 432 | Mutual Benefit Societies |
| Chapter 432D | Health Maintenance Organizations |
| Chapter 435 | Fidelity and Surety |
Chapter 431 - Producer Licensing
Chapter 431 Article 9A contains producer licensing requirements including:
- Agent and agency licensing
- Appointment procedures
- Continuing education requirements
- Prohibited practices
- Disciplinary procedures
Contact Information
- Insurance Division Phone: (808) 586-2790
- Licensing: (808) 586-2788
- Website: cca.hawaii.gov/ins/
- Address: 335 Merchant Street, Room 213, Honolulu, HI 96813
- Email: insurance@dcca.hawaii.gov
How is the Hawaii Insurance Commissioner selected?
Under which department does the Hawaii Insurance Division operate?
Which Hawaii Revised Statutes chapter contains the Insurance Code?