Posted on Apr 4, 2020 in Main, News Releases, Slider

The Department of Commerce and Consumer Affairs is closely monitoring the emergency situation involving novel coronavirus or COVID-19, and understands the uncertainty individuals are facing concerning their insurance coverage under the changing landscape. While our offices are currently not open to the public until April 30 pursuant to Governor David Y. Ige’s Third Supplementary Proclamation issued on March 23, 2020, if you elect to mail in your inquiry or complaint, we will respond as soon as practical once our office reopens.

The Hawaii Insurance Division empathizes with those impacted by recent events stemming from the COVID-19 pandemic.  We are working with industry, government agencies, elected officials, and other states in closely monitoring insurance issues related to COVID-19.  We continue to focus on ensuring that consumers are treated fairly and that insurers are following provisions in their policies and applicable state laws.  Update bulletins and memorandums will continue to be posted on our website at:


On March 27, 2020, the Insurance Commissioner issued Memorandum 2020-3I to encourage insurers selling insurance coverage in the State for all lines of insurance to be mindful of the difficulties individuals and businesses in the State are experiencing due to COVID-19.  Review the memo at:


If you recently lost health insurance coverage or may lose coverage, the Hawaii Insurance Division has prepared a frequently asked questions (FAQ) page with information on ways to obtain health insurance at

For information on your existing health insurance coverage and COVID-19 please go to


Business Interruption insurance is a type of insurance that typically covers the loss of income that a business suffers after a disaster.  The coverage is usually triggered under a commercial insurance policy when a covered risk or event causes physical damage to the insured property and the business cannot continue to operate.  An example would be fire damaging all or part of a building, and the business cannot operate while repairs are made, or the structure is rebuilt.  The income loss during repairs or rebuilding may be covered under this type of coverage.

A FAQs page specific to COVID-19 and business insurance is accessible at

If you are a current policyholder that is experiencing difficulty with a non-responsive insurer or an insurer that is refusing to provide coverage for an event that is covered under your policy, you may submit a written complaint to the Insurance Division. Complaints can be submitted online at

On April 27, 2020, the Insurance Commissioner issued Memorandum 2020-4A, which incorporates and re-emphasizes all previous Memorandums issued by the Insurance Division in response to the impact of COVID-19 on the business of insurance in Hawaii and also adds instructions and guidelines to facilitate insurers’ responses and accommodations to policyholders. Review the memo at:


On March 18, 2020, the Insurance Commissioner issued Memorandum 2020-1LIC in response to the COVID-19 outbreak regarding all new, renewing, and reactivating licenses. Review the memo at:

On March 19, 2020, the Insurance Commissioner issued Memorandum 2020-2LIC regarding state of Workers’ Compensation Adjuster licenses subject to renewal on April 16, 2020 in response to the temporary closure of testing for licenses until April 16, 2020. Review the memo at:

On June 3, 2020, the Insurance Commissioner issued Memorandum 2020-5LIC regarding Workers’ Compensation Adjuster  licenses subject to renewal on or after June 16, 2020 in response to limited testing centers. Review the memo at: IC Memo 2020-5LIC