Title 24, Insurance

[§431:31-102] Licensure of vendors. (a) A vendor shall hold a limited lines license to sell or offer coverage under a policy of portable electronics insurance. (b) A limited lines license issued under this section shall authorize any employee or authorized representative of the v…

[§431:31-103] Requirements for sale of portable electronics insurance. (a) At every location at which portable electronics insurance is offered to customers, brochures or other written materials shall be made available to prospective customers. The brochures or other written mate…

[§431:31-104] Authority of vendors. (a) The employees and authorized representatives of vendors may sell or offer portable electronics insurance to customers and shall not be subject to licensure as an insurance producer under this chapter, provided that: (b) The charges for port…

[§431:31-105] Sanctions for violations. The vendor or its employee or authorized representative shall be subject to sanctions pursuant to this chapter for the violation of any provision of this chapter. [L 2012, c 321, pt of §1]

[§431:31-106] Termination or modification of portable electronics insurance. (a) An insurer may terminate or otherwise change the terms and conditions of a policy of portable electronics insurance. The vendor and enrolled customers shall be provided at least sixty days' notice be…

§431:31-107 Application for license and fees. (a) A sworn application for a license under this article shall be filed with the commissioner on forms prescribed and furnished by the commissioner. (b) The application for a license shall provide the: (c) Any vendor engaging in porta…

[§431:31-108] Portable electronics insurance claims. No licensed independent adjuster or licensed vendor shall supervise more than twenty-five employees; provided that a licensed vendor who supervises employees or adjusts claims shall not be required to be licensed as an adjuster…

[§431:31-109] Standard of conduct. A vendor issued a limited lines license shall act in good faith, abstain from deception, and practice honesty and equity in all insurance matters. [L 2021, c 110, §4]

[ARTICLE 32] TRAVEL INSURANCE [§431:32-101] Short title. This article shall be known and may be cited as the Hawaii Travel Insurance Act. [L 2025, c 256, pt of §1]

[§431:32-102] Scope and purpose. (a) The purpose of this article is to promote public welfare by creating a comprehensive legal framework to regulate the sale of travel insurance in the State. (b) The requirements of this article shall apply to: This article shall not apply to ca…

[§431:32-103] Definitions. As used in this article: "Aggregator site" means a website that provides access to information regarding insurance products from more than one travel insurer, including product and travel insurer information, for use in comparison shopping. "Blanket tra…

[§431:32-104] Licensing and registration. (a) In accordance with sections 431:9A-103 and 431:9A-107.5, the commissioner may issue a limited lines travel insurance producer license to an individual or a business entity that has filed with the commissioner an application for a limi…

[§431:32-105] Tax on premiums. (a) Each travel insurer shall pay the tax on premiums provided for in section 431:7-202 on all travel insurance premiums paid by: (b) Each travel insurer shall:

[§431:32-106] Travel protection plans. Travel protection plans may be offered for one price for the combined features that the travel protection plan offers in the State if:

[§431:32-107] Sales practices. (a) Except as otherwise provided in this section, any person offering travel insurance to a resident of the State shall be subject to article 13. (b) Offering or selling a travel insurance policy that could never result in payment of any claims for …

[§431:32-108] Travel administrators. (a) Notwithstanding any other provision of this chapter to the contrary, no person shall act or represent the person's self as a travel administrator for travel insurance in the State unless that person: (b) Each travel insurer shall: (c) A tr…

[§431:32-109] Policy. (a) Notwithstanding any other provision of this chapter to the contrary, travel insurance shall be classified and filed for purposes of rates and forms under an inland marine line of insurance. (b) Travel insurance may be in the form of an individual, group,…

[§431:32-110] Rulemaking. The commissioner may adopt rules pursuant to chapter 91 to effectuate this article. [L 2025, c 256, pt of §1]

[ARTICLE 33] PET INSURANCE [§431:33-101] Short title. This article shall be known and may be cited as the Hawaii Pet Insurance Act. [L 2025, c 79, pt of §1]

[§431:33-102] Scope and purpose. (a) The purpose of this article is to promote the public welfare by creating a comprehensive legal framework within which pet insurance may be sold in this State. (b) The requirements of this article shall apply to pet insurance policies that are …

[§431:33-103] Definitions. As used in this article, unless the context clearly indicates otherwise: "Chronic condition" means a condition that can be treated or managed, but not cured. "Congenital anomaly or disorder" means a condition that is present from birth, whether inherite…

[§431:33-104] Disclosures. (a) A pet insurer transacting pet insurance shall disclose the following to consumers: (b) Unless the consumer has filed a claim under the pet insurance policy, pet insurance applicants shall have the right to examine and return the policy, certificate,…

[§431:33-105] Policy conditions. (a) If a pet insurer uses any of the terms in this article in a policy of pet insurance, the pet insurer shall use the definition of each of those terms as set forth in section 431:33-103 and include the definition of the term in the policy. The p…

[§431:33-106] Sales practices for wellness programs; when deemed insurance. (a) A pet insurer or an insurance producer shall not market a wellness program as pet insurance. (b) If a wellness program is sold by a pet insurer or an insurance producer: (c) Coverages included in the …

[§431:33-107] Insurance producer training. (a) An insurance producer shall not sell, solicit, or negotiate a pet insurance product until after the insurance producer is appropriately licensed under the property and casualty lines of authority and has completed the required traini…

[§431:33-108] Rules. The commissioner may adopt rules pursuant to chapter 91 to administer this article. [L 2025, c 79, pt of §1]

[§431:33-109] Violations. Violations of this article shall be subject to penalties pursuant to this chapter and the rules pursuant to this chapter. [L 2025, c 79, pt of §1]

[ARTICLE 3A] PRIVACY OF CONSUMER FINANCIAL INFORMATION PART I. GENERAL PROVISIONS [§431:3A-101] Purpose; scope; applicability. (a) This article governs the treatment of nonpublic personal financial information about individuals by all insurance licensees. This article: (b) This a…

§431:3A-102 Definitions. As used in this article: "Affiliate" means any company that controls, is controlled by, or is under common control with another company. "Clear and conspicuous" means reasonably understandable and designed to call attention to the nature and significance …

PART II. PRIVACY AND OPT OUT NOTICES FOR FINANCIAL INFORMATION §431:3A-201 Initial privacy notice to consumers required. (a) A licensee shall provide a clear and conspicuous notice that accurately reflects its privacy policies and practices to a consumer: (b) A licensee shall not…

§431:3A-202 Annual privacy notice to customers required. (a) Except as provided in subsection (b), a licensee shall provide a clear and conspicuous notice to customers that accurately reflects its privacy policies and practices not less than annually during the continuation of th…

[§431:3A-203] Information to be included in privacy notices. (a) The initial, annual, and revised privacy notices that a licensee provides under sections 431:3A-201, 431:3A-202, and 431:3A-205 shall include the following information, in addition to any other information the licen…

[§431:3A-204] Form of opt out notice to consumers and opt out methods. (a) A licensee shall provide an opt out notice to each of the licensee's consumers that is clear and conspicuous and accurately explains the right to opt out. The notice shall state: (b) A licensee may provide…

[§431:3A-205] Revised privacy notices. (a) Except as otherwise provided in this article, a licensee shall not, directly or through an affiliate, disclose any nonpublic personal financial information about a consumer to a nonaffiliated third party other than as described in the in…

[§431:3A-206] Delivery. (a) A licensee shall provide any notices required under this article so that each consumer can reasonably be expected to receive actual notice in writing or, if the consumer agrees, electronically. (b) A licensee may reasonably expect that a customer will …

PART III. LIMITS ON DISCLOSURES OF FINANCIAL INFORMATION [§431:3A-301] Limits on disclosure of nonpublic personal financial information to nonaffiliated third parties. (a) Except as otherwise authorized under this article, a licensee may not disclose, directly or through any affi…

§431:3A-302 Limits on redisclosure and reuse of nonpublic personal financial information. (a) If a licensee receives nonpublic personal financial information from a nonaffiliated financial institution under an exception in section 431:3A-402 or 431:3A-403, the licensee's disclosu…

[§431:3A-303] Limits on sharing account number information for marketing purposes. (a) A licensee shall not disclose, directly or through an affiliate other than to a consumer reporting agency, a policy number or similar form of access number or access code for a consumer’s polic…

PART IV. EXCEPTIONS TO LIMITS ON DISCLOSURES OF FINANCIAL INFORMATION [§431:3A-401] Exception to opt out requirements for disclosure of nonpublic personal financial information for service providers and for joint marketing. (a) The opt out requirements in sections 431:3A-204 and …

[§431:3A-402] Exceptions to notice and opt out requirements for disclosure of nonpublic personal financial information for processing and servicing transactions. (a) The requirements for initial notice under section 431:3A-201, for the opt out in sections 431:3A-204 and 431:3A-30…

[§431:3A-403] Other exceptions to notice and opt out requirements for disclosure of nonpublic personal financial information. (a) The requirements for initial notice in section 431:3A-201, the opt out in sections 431:3A-204, and 431:3A-301, and service providers and joint marketi…

PART V. ADDITIONAL PROVISIONS [§431:3A-501] Protection of Fair Credit Reporting Act. Nothing in this article shall be construed to modify, limit, or supersede the federal Fair Credit Reporting Act, Title 15 United States Code section 1681, et seq., as amended, and no inference sh…

[§431:3A-502] Nondiscrimination. A licensee shall not unfairly discriminate against any consumer or customer because that consumer or customer has opted out from the disclosure of nonpublic personal financial information under this article. [L 2001, c 220, pt of §1]

[§431:3A-503] Violation. A violation of this article shall be deemed an unfair method of competition or unfair or deceptive trade act or practice in the business of insurance in violation of section 431:13-102. [L 2001, c 220, pt of §1]

[§431:3A-504] Rules. The commissioner may adopt rules pursuant to chapter 91 to further the purposes of this article. [L 2001, c 220, pt of §1]

[ARTICLE 3B] INSURANCE DATA SECURITY LAW PART I. GENERAL PROVISIONS [§431:3B-101] Definitions. As used in this article: "Authorized individual" means an individual known to and screened by the licensee and determined to be necessary and appropriate to have access to the nonpublic…