HRS §431:4-106.5
No personal liability for acting on behalf of a member
Anyone can apply to join a mutual or reciprocal insurer as a member or subscriber. If an officer, representative, trustee, receiver, or legal representative acts for a member or policyholder, they are not personally responsible for the contract just because of that role.
everyone
The statute, as written — Membership in mutual or subscriber in reciprocal insurers; no personal liability of representative
Any person may make application to enter into agreement for and hold policies or contracts in or with and be a member or subscriber of any domestic, foreign, or alien mutual or reciprocal insurer. Any officer, representative, or trustee, receiver, or legal representative of any such member or policyholder shall be recognized as acting for or on its behalf for the purpose of such contracts or membership, but shall not be personally liable upon the contract by reason of acting in such representative capacity.
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