HRS §431:8-309
Paying your premium to a surplus lines broker counts as paying the insurer
Read the official text at capitol.hawaii.gov ↗If you pay your insurance premium to a surplus lines broker who is working for you, the law treats that payment as if you paid the insurance company directly. This is true even if the policy says something different. It protects you when you pay the broker.
The statute, as written — Effect of payment to surplus lines broker
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.
Payment of a premium to a surplus lines broker acting for a person other than the surplus lines broker in negotiating, continuing, or reviewing any policy of insurance under this part shall be deemed to be payment to the insurer, notwithstanding whatever conditions or stipulations may be inserted in the policy or contract.
LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.