HRS §431:4-408

Forming a reciprocal insurer

Read the official text at capitol.hawaii.gov ↗

This section says that at least 25 people who live in Hawaii can start a domestic reciprocal insurer. They must follow the rules in this part and apply to the insurance commissioner for a license to sell insurance.

everyone

The statute, as written — Organization of reciprocal insurers

A copy, taken August 20, 2026. The version published by the Legislature is the one that governs, and it may have changed since. Check it before relying on anything here.

Twenty-five or more persons domiciled in this State, may organize a domestic reciprocal insurer and, in compliance with this part, make application to the commissioner for a certificate of authority to transact insurance.

Read the official text at capitol.hawaii.gov ↗as published Jan 6, 2026our copy taken Aug 20, 2026

LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.