100+ Free Hawaii Surplus Lines Practice Questions
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Key Facts: Hawaii Surplus Lines Exam
65-75%
First-Time Pass Rate
Industry Data
70%
Passing Score
Hawaii DCCA Insurance Division
~50
Exam Questions
Pearson VUE
~1 hour
Exam Duration
Pearson VUE
$75
Exam Fee
Pearson VUE
P&C Exam Required
Prerequisite
HRS 431:8-324
The HI surplus lines broker exam has approximately 50 questions (scored plus pretest) with about 1 hour and a 70% passing score. Candidates must pass the P&C exam first per HRS 431:8-324. Hawaii imposes a unique 4.68% surplus lines premium tax and has distinctive risk exposures including volcanic activity and hurricane risk.
About the Hawaii Surplus Lines Exam
The Hawaii Surplus Lines Broker exam tests knowledge of surplus lines markets, HI-specific surplus lines law under HRS 431:8-324, diligent search requirements, eligible insurer standards, the 4.68% premium tax, NRRA provisions, and compliance obligations for brokers placing insurance with non-admitted carriers in Hawaii.
Questions
50 scored questions
Time Limit
~1 hour
Passing Score
70%
Exam Fee
$75 (Pearson VUE / Hawaii DCCA Insurance Division)
Hawaii Surplus Lines Exam Content Outline
Surplus Lines Markets
Lloyd's of London, London market, alien insurers, E&S carrier operations, managing general agents, wholesale distribution, market cycles, and Hawaii's unique market
Hawaii Surplus Lines Law
HRS 431:8-324 provisions, DCCA Insurance Division authority, licensing requirements, P&C exam prerequisite, broker obligations, and enforcement
Diligent Search & Eligibility
Diligent search requirements, documentation, declinations, eligible insurer lists, NAIC IID Quarterly Listing, financial requirements, and export list
Taxation & Compliance
4.68% premium tax calculation, NRRA home state taxation, record-keeping, annual filings, disclosure requirements, and guaranty fund exclusion
How to Pass the Hawaii Surplus Lines Exam
What You Need to Know
- Passing score: 70%
- Exam length: 50 questions
- Time limit: ~1 hour
- Exam fee: $75
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
Hawaii Surplus Lines Study Tips from Top Performers
Frequently Asked Questions
What are the prerequisites for the Hawaii surplus lines broker exam?
You must pass the property and casualty (P&C) exam first, as required by HRS 431:8-324. You must then pass the surplus lines broker exam with 70% or higher. The exam fee is approximately $75 and is administered by Pearson VUE.
What is the Hawaii surplus lines premium tax rate?
Hawaii imposes a 4.68% surplus lines premium tax on gross premiums. This rate is unique to Hawaii. The surplus lines broker is responsible for collecting this tax from the insured and remitting it to the Hawaii DCCA Insurance Division.
What unique risks in Hawaii drive surplus lines demand?
Hawaii has unique natural hazards including volcanic activity (lava flows, ash, vog), tsunami risk, hurricane exposure, and earthquake risk. The state's tourism-dependent economy, geographic isolation, and high coastal property values also create demand for specialty surplus lines coverage.
Are surplus lines policyholders protected by Hawaii's guaranty fund?
No. Policyholders of surplus lines (non-admitted) insurers are excluded from the Hawaii Insurance Guaranty Association. If a surplus lines insurer becomes insolvent, the policyholder has no safety net. This must be disclosed to the insured at placement.
How many questions are on the Hawaii surplus lines broker exam?
The HI surplus lines exam has approximately 50 questions including scored and pretest (unscored) questions. You have about 1 hour to complete the exam and need 70% on the scored questions to pass. It is administered by Pearson VUE.
What statute governs surplus lines in Hawaii?
Hawaii surplus lines insurance is primarily governed by HRS 431:8-324 (Hawaii Revised Statutes). This statute covers broker licensing, diligent search requirements, eligible insurer standards, premium tax obligations, and compliance requirements overseen by the DCCA Insurance Division.