# Hawaii SB 1166: RELATING TO INSURANCE.

Hawaii SB 1166, RELATING TO INSURANCE., is a 2025–2026 Regular Session (Year 1) Senate bill sponsored by Chris Lee (Democratic); status passed senate, last action 2025-03-06 (Pass First Reading) (as of 2026-10-28).

- Canonical: https://policyrisk.com/state-bill/HI-SB1166-2025
- As of: 2026-10-28
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Hawaii SB 1166
- State: Hawaii
- Session: 2025–2026 Regular Session (Year 1)
- Title: RELATING TO INSURANCE.
- Status: passed senate
- Chamber: Senate
- Introduced: 2025-01-17
- Last action: 2025-03-06, Pass First Reading
- Sponsor: Chris Lee (Democratic)
- Cosponsors: 1
- Subjects: HPIA, Property Insurance, Subrogation Claims, Property and Casualty Insurance Rate Regulation, Climate Change, CPC, JHA, FIN
- Touches household money: no
- Economic provisions PRIA read: 0

## Summary

Allows the Hawaii Property Insurance Association to file and litigate subrogation claims against responsible parties for claims paid by the insurer for losses resulting from climate disasters and extreme weather attributable to climate change. Establishes a new, specific cause of action that allows insurers and injured parties to file claims against a responsible party for damages resulting from climate disasters, extreme weather attributable to climate change, and other long-term changes in the climate system. Requires insurance rates to account for any proceeds from subrogation or civil claims against a responsible party. Effective 7/1/2050. (SD2)

## Bill overview

No economic impacts identified for this bill.

## Sponsors and cosponsors

- Sponsor: Chris Lee (Democratic), Senate
- Cosponsor: C.

## Actions (17)

- 2025-03-06: Pass First Reading (House)
- 2025-03-06: Referred to CPC, JHA, FIN, referral sheet 19 (House)
- 2025-03-04: Report Adopted; Passed Third Reading, as amended (SD 2). Ayes, 22; Aye(s) with reservations: none. Noes, 3 (Senator(s) Awa, DeCorte, Fevella). Excused, 0 (none). Transmitted to House. (Senate)
- 2025-03-04: Received from Senate (Sen. Com. No. 269) in amended form (SD 2). (House)
- 2025-02-28: Reported from WAM/JDC (Stand. Com. Rep. No. 888) with recommendation of passage on Third Reading, as amended (SD 2). (Senate)
- 2025-02-28: 48 Hrs. Notice 03-04-25. (Senate)
- 2025-02-26: The committee(s) on WAM recommend(s) that the measure be PASSED, WITH AMENDMENTS. The votes in WAM were as follows: 13 Aye(s): Senator(s) Dela Cruz, Moriwaki, Aquino, DeCoite, Elefante, Hashimoto, Inouye, Kanuha, Kidani, Kim, Lee, C., Wakai, Fevella; Aye(s) with reservations: none ; 0 No(es): none; and 0 Excused: none. (Senate)
- 2025-02-26: The committee(s) on JDC recommend(s) that the measure be PASSED, WITH AMENDMENTS. The votes in JDC were as follows: 4 Aye(s): Senator(s) Rhoads, Gabbard, Chang, San Buenaventura; Aye(s) with reservations: none ; 1 No(es): Senator(s) Awa; and 0 Excused: none. (Senate)
- 2025-02-21: The committee(s) on WAM/JDC will hold a public decision making on 02-26-25 10:05AM; Conference Room 211 & Videoconference. (Senate)
- 2025-02-14: Reported from CPN (Stand. Com. Rep. No. 666) with recommendation of passage on Second Reading, as amended (SD 1) and referral to WAM/JDC. (Senate)
- 2025-02-14: Report adopted; Passed Second Reading, as amended (SD 1) and referred to WAM/JDC. (Senate)
- 2025-02-12: The committee(s) on CPN recommend(s) that the measure be PASSED, WITH AMENDMENTS. The votes in CPN were as follows: 3 Aye(s): Senator(s) Keohokalole, Fukunaga, Richards; Aye(s) with reservations: none ; 1 No(es): Senator(s) Awa; and 1 Excused: Senator(s) McKelvey. (Senate)
- 2025-02-07: The committee(s) on CPN deferred the measure until 02-12-25 9:30AM; Conference Room 229 & videoconference. (Senate)
- 2025-01-31: The committee(s) on CPN has scheduled a public hearing on 02-07-25 9:50AM; Conference Room 229 & Videoconference. (Senate)
- 2025-01-27: Referred to CPN, WAM/JDC. (Senate)
- 2025-01-21: Passed First Reading. (Senate)
- 2025-01-17: Introduced. (Senate)

## Bill text

- Bill Text: [PDF](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB1166_SD2_.pdf)
- Original: [HTML](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB1166_.HTM), [PDF](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB1166_.PDF)
- SB1166_SD1: [HTML](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB1166_SD1_.HTM)
- SB1166_SD2: [HTML](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB1166_SD2_.HTM)

## Related bills

- SB 572: RELATING TO HOUSING. (signed)
- HB 431: RELATING TO HOUSING. (signed)
- HB 420: RELATING TO REMEDIES. (signed)
- SB 1296: RELATING TO DISASTER RECOVERY. (signed)
- HB 830: RELATING TO HISTORIC PRESERVATION REVIEWS. (signed)
- HB 1064: RELATING TO FIRE PROTECTION. (signed)

## Sources
- [Bill Text (PDF)](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB1166_SD2_.pdf)
- [Original (HTML)](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB1166_.HTM)
- [Original (PDF)](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB1166_.PDF)
- [SB1166_SD1 (HTML)](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB1166_SD1_.HTM)
- [SB1166_SD2 (HTML)](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB1166_SD2_.HTM)

## Related
- [SB 572: RELATING TO HOUSING.](https://policyrisk.com/state-bill/HI-SB572-2025)
- [HB 431: RELATING TO HOUSING.](https://policyrisk.com/state-bill/HI-HB431-2025)
- [HB 420: RELATING TO REMEDIES.](https://policyrisk.com/state-bill/HI-HB420-2025)
- [SB 1296: RELATING TO DISASTER RECOVERY.](https://policyrisk.com/state-bill/HI-SB1296-2025)
- [HB 830: RELATING TO HISTORIC PRESERVATION REVIEWS.](https://policyrisk.com/state-bill/HI-HB830-2025)
- [HB 1064: RELATING TO FIRE PROTECTION.](https://policyrisk.com/state-bill/HI-HB1064-2025)
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- [Hawaii state hub](https://policyrisk.com/states/hawaii)
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Source: PRIA, https://policyrisk.com/state-bill/HI-SB1166-2025 (as of 2026-10-28).