HRS §431:8-204
Liability for helping an unlicensed insurer
If an unlicensed insurance company doesn't pay a claim, anyone who helped get that policy and knew or should have known it was illegal must pay the full claim amount to the insured, as the policy says.
everyone
The statute, as written — Liability of person assisting unauthorized insurer
In the event of failure of any such unauthorized insurer to pay any claim or loss within the provisions of such insurance contract, any person who assisted or in any manner aided directly or indirectly in the procurement of such insurance contract and who knew or should have known the transaction was illegal shall be liable to the insured for the full amount of the claim or loss in the manner provided by the provisions of the insurance contract.
LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.