The purpose of this Memorandum is to update and clarify the Insurance Division’s position regarding the use of ZIP code-based rating in motor vehicle insurance, and to require all motor vehicle insurers to refile any motor vehicle rates currently using ZIP code-based rating. The full memo can be viewed here: Commissioner’s Memorandum 2026-2PC
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Due to positive feedback, the Division’s revised Property & Casualty (“P&C”) rate filing procedures, discussed in Commissioner’s Memorandum 2025-10R (issued on November 10, 2025) and 2025-11R (issued on November 24, 2025) have been further refined and the effective date for the revised General Requirements and Filing is extended to April 1, 2026. The full memo ...
Read More COMMISSIONER’S MEMORANDUM 2026-1PC: EXTENSION OF COMMENT PERIOD FOR GENERAL REQUIREMENTS AND FILING INSTRUCTIONS
(PDF) Commissioner’s Memorandum 2026-2PC Subject: Motor Vehicle Rates Using ZIP Code-Based Rating (PDF) Commissioner’s Memorandum 2026-1PC Subject: Extension of Comment Period for General Requirements and Filing Instructions for Property and Casualty Rate, Rule and Form Filings
Annual documents are required to be filed directly with the State of Hawaii Insurance Division, Captive Insurance Branch (CIB) unless otherwise noted. The full memo can be viewed here: Commissioner’s Memorandum 2025-17C
Annual documents are required to be filed directly with the State of Hawaii Insurance Division, Captive Insurance Branch (CIB) unless otherwise noted. The full memo can be viewed here: Commissioner’s Memorandum 2025-16C
The Hawaii Insurance Division Captive Insurance Branch (CIB) is implementing OPTins (Online Premium Tax for Insurance) for authorized captive insurers to electronically file their state premium tax statement (Form CAP-001) and make electronic payments. OPTins, a product of the National Association of Insurance Commissioners (NAIC), has been developed to facilitate state specific forms and payments. ...
Read More COMMISSIONER’S MEMORANDUM 2025-15C: OPTINS INSTRUCTIONS FOR ALL HAWAII AUTHORIZED CAPTIVE INSURERS
The Federal Emergency Management Agency (FEMA) has recently updated its Flood Insurance Rate Maps (FIRMs), resulting in changes to the flood risk designation of over 3,500 parcels across Oʻahu that will become effective June 10, 2026. These updates are crucial for understanding flood risk island-wide and preparing property owners accordingly. The role of insurance producers, ...
Read More COMMISSIONER’S MEMORANDUM 2025-14A: UPDATED FLOOD INSURANCE RATE MAPS
This Memorandum is issued by the Hawaii Insurance Division (the “Division”) to remind all Insurers authorized to do business in the state that decisions or actions impacting consumers that are made or supported by advanced analytical and computational technologies, including Artificial Intelligence (“AI”) Systems (as defined below), must comply with all applicable insurance laws and ...
Read More COMMISSIONER’S MEMORANDUM 2025-13A: THE USE OF ARTIFICIAL INTELLIGENCE SYSTEMS IN INSURANCE
The purpose of this memorandum is to inform all insurers that the Insurance Division implemented a reorganization of its Rate and Policy Analysis (“RPA”) Branch. This reorganization restructures the former RPA Branch into two specialized units: Life and Accident & Health (“LAH”) Filings Branch and Property and Casualty (“P&C”) Filings Branch. The full memo can ...
Read More COMMISSIONER’S MEMORANDUM 2025-12R: REORGANIZATION OF RATE AND POLICY ANALYSIS BRANCH
Due to positive feedback, the comment period for the Division’s revised Property and Casualty (“P&C”) rate filing procedures discussed in Commissioner’s Memorandum 2025-10R (issued on November 10, 2025) is extended to December 31, 2025. The full memo can be viewed here: