HRS §431:3-201
Insurance companies need a state license to do business
No one can act as an insurer or sell insurance in Hawaii without a license from the state insurance commissioner. Handling claims for an unlicensed insurer counts as doing insurance business, unless it is a one-time or rare event. The license must list the insurer's name and what types of insurance it can sell.
everyone
The statute, as written — Authority required
(a) No person shall act as an insurer and no insurer shall transact insurance business in this State other than as authorized by a certificate of authority granted to it by the commissioner; except as to such transactions as are expressly otherwise provided in this code. (b) The investigation and adjustment of claims in this State arising under insurance contracts issued by an unauthorized insurer, except surplus line insurance issued pursuant to section 431:8-301, shall be deemed to constitute the transaction of insurance in this State, unless the same are isolated or nonrecurring transactions. (c) Every certificate of authority shall include but not be limited to: (1) The name of the insurer and the classes of insurance it is authorized to transact in this State; or (2) The name of and location of the principal office of its attorney-in-fact if a reciprocal insurer.
Sections this one refers to
§431:8-301 When you can buy insurance from an out-of-state company
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