HRS §431:4-408
Forming a reciprocal insurer
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
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.
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