# Hawaii SB 802: RELATING TO INSURANCE.

Hawaii SB 802, RELATING TO INSURANCE., is a 2025–2026 Regular Session (Year 1) Senate bill sponsored by Carol Fukunaga (Democratic); status passed senate, last action 2025-03-06 (Pass First Reading) (as of 2026-10-28).

- Canonical: https://policyrisk.com/state-bill/HI-SB802-2025
- 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 802
- 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: Carol Fukunaga (Democratic)
- Cosponsors: 9
- Subjects: DCCA, Insurance Commissioner, Property Insurance, Premium Change, Notice, Review, Reports, Public Reporting and Dispute Resolution Program, Disaster Risk Mitigation, CPC, FIN
- Touches household money: no
- Economic provisions PRIA read: 0

## Summary

Requires insurers to provide advance written notice to policyholders and the Insurance Commissioner, with reasonable explanations and primary factors, of any policy cancellation, non-renewal, or proposed premium increase, if, upon renewal, premiums are scheduled to increase more than 10 per cent. Requires insurers that provide property insurance to file rate schedules and underlying criteria with the Insurance Commissioner. Requires the Insurance Commissioner to conduct periodic reviews of insurance rates and submit annual reports to the Legislature. Requires the Insurance Commissioner to establish a Public Reporting and Dispute Resolution Program to handle complaints and appeals regarding premium increases. Requires insurers to provide premium discounts or credits to policyholders that implement disaster risk mitigation measures. Effective 7/1/2050. (SD2)

## Bill overview

No economic impacts identified for this bill.

## Sponsors and cosponsors

- Sponsor: Carol Fukunaga (Democratic), Senate
- Cosponsor: Stanley Chang (Democratic), Senate
- Cosponsor: Brandon J.C. Elefante (Democratic), Senate
- Cosponsor: Troy N. Hashimoto (Democratic), Senate
- Cosponsor: Les Ihara Jr. (Democratic), Senate
- Cosponsor: Jarrett Keohokalole (Democratic), Senate
- Cosponsor: Angus L.K. McKelvey (Democratic), Senate
- Cosponsor: Sharon Y. Moriwaki (Democratic), Senate
- Cosponsor: Karl Rhoads (Democratic), Senate
- Cosponsor: Herbert M. "Tim" Richards III (Democratic), Senate

## Actions (17)

- 2025-03-06: Pass First Reading (House)
- 2025-03-06: Referred to CPC, FIN, referral sheet 19 (House)
- 2025-03-04: Report adopted; Passed Third Reading, as amended (SD 2). Ayes, 25; Aye(s) with reservations: none . Noes, 0 (none). Excused, 0 (none). Transmitted to House. (Senate)
- 2025-03-04: Received from Senate (Sen. Com. No. 199) in amended form (SD 2). (House)
- 2025-02-28: Reported from WAM/JDC (Stand. Com. Rep. No. 891) 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: 5 Aye(s): Senator(s) Rhoads, Gabbard, Chang, San Buenaventura, Awa; Aye(s) with reservations: none ; 0 No(es): none; 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)
- 2025-02-13: Reported from CPN (Stand. Com. Rep. No. 438) with recommendation of passage on Second Reading, as amended (SD 1) and referral to WAM/JDC. (Senate)
- 2025-02-13: Report adopted; Passed Second Reading, as amended (SD 1) and referred to WAM/JDC. (Senate)
- 2025-02-07: The committee(s) on CPN recommend(s) that the measure be PASSED, WITH AMENDMENTS. The votes in CPN were as follows: 5 Aye(s): Senator(s) Keohokalole, Fukunaga, McKelvey, Richards, Awa; Aye(s) with reservations: none ; 0 No(es): none; and 0 Excused: none. (Senate)
- 2025-02-05: The committee(s) on CPN deferred the measure until 02-07-25 9:46AM; Conference Room 229. (Senate)
- 2025-01-31: The committee(s) on CPN has scheduled a public hearing on 02-05-25 10:00AM; Conference Room 229 & Videoconference. (Senate)
- 2025-01-23: 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/SB802_SD2_.pdf)
- Original: [HTML](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB802_.HTM), [PDF](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB802_.PDF)
- SB802_SD1: [HTML](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB802_SD1_.HTM)
- SB802_SD2: [HTML](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB802_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/SB802_SD2_.pdf)
- [Original (HTML)](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB802_.HTM)
- [Original (PDF)](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB802_.PDF)
- [SB802_SD1 (HTML)](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB802_SD1_.HTM)
- [SB802_SD2 (HTML)](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB802_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-SB802-2025 (as of 2026-10-28).