As your independent advisory organization in the state of Hawaii, HIB provides you rules, forms, loss cost and rating plan advisory filings; commercial property inspections, and the public protection gradings.

The state of Hawaii has a prior-approval property and casualty insurance regulatory environment. Therefore, as an independent advisory organization HIB files rules, forms, loss costs and rating plans for most property and casualty lines of insurance.

HIB commercial property database is available for use by HIB Fire and Allied members and subscribers. The database houses information for approximately 7,000 buildings and 20,000 tenants. Fire and Allied members and subscribers can request inspections via the HIB website provided they are the insurer on record.

The Hawaii Insurance Bureau, Inc. has jurisdiction in the state of Hawaii to grade community’s fire suppression capabilities. HIB utilizes ISO’s Fire Suppression Rating Schedule to develop the PPC grades for each community with a qualified fire station.

On a fee-for-services basis, the Hawaii Insurance Bureau offers an electronic mapping service which identifies the locations and provides key underwriting information such as the Public Protection Classification along with whether there is a fire hydrant within a 1000 feet.

HIB offers a library of current Hawaii Insurance Divsion acknowledged forms in Microsoft WORD as well as past editions of forms.

Once HIB receives approval from the Hawaii Insurance Division on submitted rules filings, the rule is incorporated into the rules manual which is in a PDF format.

In the state of Hawaii, the Insurance Division requires personal auto insurers to file auto symbols prior to using the symbol to rate policies. Once the symbols are approved they are placed on the website for individual look-ups or the entire spreadsheet is provided in EXCEL format.

On the HIB Website, users can look-up classifications for General Liability, Fire and Allied, Crime, Employment Related Practices Liability (ERPL) and Professional Liability (Medical).

The Commercial Umbrella line is an a la carte line of insurance. Rather than being assessed based on premium there is an annual fee to use this line of insurance which HIB provides the forms, rules, rating procedures and state exceptions.