HRS §431:1-202
Who counts as an insurer
This section defines the word "insurer" for Hawaii insurance law. An insurer is anyone in the business of making insurance contracts, including reciprocal or interinsurance exchanges. It is a definition only, so it does not create duties or penalties.
everyone
The statute, as written — Insurer defined
Insurer means every person engaged in the business of making contracts of insurance and includes reciprocal or interinsurance exchanges.
LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.