Insurance Division—Hawaii Administrative Rules

The Insurance Division — Hawaii Administrative Rules process governs how the state Insurance Commissioner proposes, amends, and adopts administrative rules regulating the insurance industry in Hawaii. Rules cover insurer licensing, policy form approval, rate filing requirements, claims handling standards, and consumer protection requirements across all lines of insurance. Public hearing and comment requirements apply to significant rulemaking actions.

The administrative rules the Insurance Division adopts determine the standards your insurer must meet in Hawaii, including how quickly they must respond to claims and what policy terms are permissible. Consumers and insurance professionals can comment on proposed rule changes during public comment periods.