On this page
Property and casualty rate, rule and form filings in Hawaii are reviewed by the Hawaii Insurance Division. This page summarizes how filing works there from public sources: where to search filings that are already public, and the statutes, regulations and department guidance that set the rules, grouped by line of business. Every entry links to the official source.
At a glance
| Regulator | Hawaii Insurance Division |
|---|---|
| Public filings | SERFF Filing Access (how to search) |
| Lines summarized | Homeowners, Personal auto, Property and dwelling fire, Commercial auto, Workers' compensation, General and other liability, Commercial multi-peril, Medical professional liability, Inland marine, Homeowners and auto combination, Product liability, Aircraft, Surety, Fidelity, Burglary and theft, Mortgage guaranty, Financial guaranty, Title |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in Hawaii, each linked to the official text.
- HRS §431:14-104 — the filing duty reaches every modification, and the waiting period is 30 daysCommercial multi-peril · Statute
- Hawaii Form RF10 - Rate/Rule and Form Filing Requirements, All LinesDepartment guidance
- Hawaii Insurance Division rate and policy filing requirementsDepartment guidance
- Hawaii Form RF10 section VIII - (Motor) Vehicle filing requirementsPersonal auto · Department guidance
- HRS 431:14-104 - Rate filings and the effective-when-filed categoriesProperty and dwelling fire · Statute
- Hawaii Insurance Division Form RF10 - Rate/Rule and Form Filing Requirements, All LinesCommercial auto · Department guidance
How to search Hawaii's public rate and form filings
- The Hawaii Insurance Division's SERFF Filing Access page describes SERFF Access as an interface that lets interested parties access filings online. Source
- The division's property and casualty general instructions say SERFF filings default to Public Access when they are submitted. Source
- Under those instructions filings are open to public inspection, except certain rate filings under HRS 431:14-104. Filers mark filings that are not open to inspection as confidential. Source
Start from the department's page: Hawaii Insurance Division.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- Hawaii Commissioner's Memorandum 2026-2PC - rating factors and risk relationshipCircular
- Hawaii Form RF10 - Rate/Rule and Form Filing Requirements, All LinesDepartment guidance
- Hawaii General Instructions Attachment - Property and CasualtyDepartment guidance
- Hawaii Insurance Division rate and policy filing requirementsDepartment guidance
Last reviewed
Homeowners
Hawaii sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- Act 296, Session Laws of Hawaii 2025 (SB 1044) - stabilization of property insuranceStatute
- Hawaii Commissioner's Memorandum 2022-9R - Catastrophe Models for Hurricane Exposure in HawaiiCircular
- Hawaii Commissioner's Memorandum 2026-4PC - Hurricane Insurance Data CallCircular
- Hawaii Insurance Division Form RF10 - Homeowners filing basis and feesDepartment guidance
Last reviewed
Personal auto
Hawaii sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- Haw. Admin. R. Title 16 Chapter 23 - Motor Vehicle Insurance LawRegulation
- Hawaii Commissioner's Memorandum 2026-2PC - Motor Vehicle Rates Using ZIP Code-Based RatingBulletin
- Hawaii Form RF10 section VIII - (Motor) Vehicle filing requirementsDepartment guidance
Last reviewed
Property and dwelling fire
Hawaii sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- HRS 431:10-210 - Standard form fire insurance policyStatute
- HRS 431:10-219 - Multi-peril policies, premiums stated separatelyStatute
- HRS 431:14-103 - Making of rates, and the fire experience ruleStatute
- HRS 431:14-104 - Rate filings and the effective-when-filed categoriesStatute
- HRS 431:14-104.5 and 431:14-108 - Loss cost filings and deviationsStatute
- HRS Chapter 431, Article 21 - Hawaii Property Insurance AssociationStatute
Last reviewed
Commercial auto
Hawaii sources for commercial auto filings (SERFF type of insurance 20.0 Commercial Auto).
- Hawaii Commissioner's Memorandum 2025-6R - Act 110 clarificationDepartment guidance
- Hawaii General Instructions Attachment - Property and CasualtyDepartment guidance
- Hawaii Insurance Division Form RF10 - Rate/Rule and Form Filing Requirements, All LinesDepartment guidance
Last reviewed
Workers' compensation
Hawaii sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- HRS 386-100 and HRS 431:14-103(a)(2)(A) - the medical benefits deductible and its experience rating effectStatute
- HRS 431:14-102 - Scope of the rating articleStatute
- HRS 431:14-104 - Rate filingsStatute
- HRS 431:14-107 and HRS 431:14-111 - rating organizations and advisory organizationsStatute
- HRS 431:14-108 and HRS 431:14-109 - Deviations and appeal by a minority memberStatute
- HRS 431:14-110.5 - Disclosure of workers' compensation premium informationStatute
Last reviewed
General and other liability
Hawaii sources for general and other liability filings (SERFF type of insurance 17.0 Other Liability).
- Hawaii Commissioner's Memorandum 2026-1PCDepartment guidance
- Hawaii Form RF10Department guidance
- Hawaii General Filing InstructionsDepartment guidance
Last reviewed
Commercial multi-peril
Hawaii sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- HRS §431:10-104 — readability reaches any contract issued for delivery in HawaiiStatute
- HRS §431:14-102 — what the rate article reachesStatute
- HRS §431:14-103 — making of rates, the mandatory five-year fire consideration and the grouping prohibitionStatute
- HRS §431:14-104 — the filing duty reaches every modification, and the waiting period is 30 daysStatute
- HRS §431:14-104(k) — rates effective when filed, including individual risk modification agreed under a bid processStatute
- HRS §431:14-105 — coverage-altering revisions carry a rate impact analysisStatute
Last reviewed
Medical professional liability
Hawaii sources for medical professional liability filings (SERFF type of insurance 11.0 Med Mal).
- Hawaii Commissioner's Memorandum 2026-1PCDepartment guidance
- Hawaii Form RF10Department guidance
- Hawaii General Filing InstructionsDepartment guidance
Last reviewed
Inland marine
Hawaii sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- HRS 431:14-104 - rate filingsStatute
- HRS 431:14-105 - coverage revisionsStatute
- Form RF10 § V.B - Inland MarineDepartment guidance
- Hawaii Form RF10 - all-line filing requirementsDepartment guidance
- Hawaii General InstructionsDepartment guidance
Last reviewed
Homeowners and auto combination
Hawaii sources for homeowners and auto combination filings (SERFF type of insurance 30.0 Homeowner/Auto).
- Hawaii Commissioner's Memorandum 2025-6R - Act 110 clarificationDepartment guidance
- Hawaii Commissioner's Memorandum 2026-2PC - ZIP code based ratingDepartment guidance
- Hawaii Form RF10 - Casualty and Property filing basis and feesDepartment guidance
- Hawaii General Instructions Attachment - Property and CasualtyDepartment guidance
- Hawaii Insurance Division - Rate and Policy Analysis filing requirementsDepartment guidance
Last reviewed
Product liability
Hawaii sources for product liability filings (SERFF type of insurance 18.0 Product Liability).
- Hawaii Commissioner's Memorandum 2026-1PCDepartment guidance
- Hawaii Form RF10Department guidance
- Hawaii General Filing InstructionsDepartment guidance
Last reviewed
Aircraft
Hawaii sources for aircraft filings (SERFF type of insurance 22.0 Aircraft).
- Hawaii general P&C filing instructionsStatute
- Hawaii Commissioner's Memorandum 2026-2PC - ZIP code based ratingDepartment guidance
- Hawaii Form RF10 - Casualty and Property filing basis and feesDepartment guidance
- Hawaii General Instructions Attachment - Property and CasualtyDepartment guidance
- Hawaii Insurance Division - Rate and Policy Analysis filing requirementsDepartment guidance
Last reviewed
Surety
Hawaii sources for surety filings (SERFF type of insurance 24.0 Surety).
- Hawaii General Instructions - required documentation in every independent rate/rule filingRegulation
- Hawaii Insurance Division Form RF10 - Rate/Rule and Form Filing Requirements, All LinesRegulation
- Hawaii Form RF10 - Casualty and Property filing basis and feesDepartment guidance
- Hawaii General Instructions Attachment - Property and CasualtyDepartment guidance
- Hawaii Insurance Division - Rate and Policy Analysis filing requirementsDepartment guidance
Last reviewed
Fidelity
Hawaii sources for fidelity filings (SERFF type of insurance 23.0 Fidelity).
- Hawaii General Instructions - required documentation in every independent rate/rule filingRegulation
- Hawaii Insurance Division Form RF10 - Rate/Rule and Form Filing Requirements, All LinesRegulation
- Hawaii Form RF10 - Casualty and Property filing basis and feesDepartment guidance
- Hawaii General Instructions Attachment - Property and CasualtyDepartment guidance
- Hawaii Insurance Division - Rate and Policy Analysis filing requirementsDepartment guidance
Last reviewed
Burglary and theft
Hawaii sources for burglary and theft filings (SERFF type of insurance 26.0 Burglary and Theft).
- Hawaii General Instructions - required documentation in every independent rate/rule filingRegulation
- Hawaii Insurance Division Form RF10 - Rate/Rule and Form Filing Requirements, All LinesRegulation
- Hawaii Form RF10 - Casualty and Property filing basis and feesDepartment guidance
- Hawaii General Instructions Attachment - Property and CasualtyDepartment guidance
- Hawaii Insurance Division - Rate and Policy Analysis filing requirementsDepartment guidance
Last reviewed
Mortgage guaranty
Hawaii sources for mortgage guaranty filings (SERFF type of insurance 06.0 Mortgage Guaranty).
- Hawaii Filing Requirements—All LinesRegulation
- Hawaii General Filing InstructionsDepartment guidance
- Hawaii Rate Filing RequirementsDepartment guidance
Last reviewed
Financial guaranty
Hawaii sources for financial guaranty filings (SERFF type of insurance 10.0 Financial Guaranty).
- Hawaii Filing Requirements—All LinesRegulation
- Hawaii Commissioner's Memorandum 2026-2PC - ZIP code based ratingDepartment guidance
- Hawaii General Filing InstructionsDepartment guidance
- Hawaii Rate Filing RequirementsDepartment guidance
Last reviewed
Title
Hawaii sources for title filings (SERFF type of insurance 34.0 Title).
- Hawaii Form RF10Department guidance
- Hawaii General Filing InstructionsDepartment guidance
- Hawaii General Instructions AttachmentDepartment guidance
Last reviewed
Not legal advice. This is a summary of public sources, last reviewed September 18, 2026. Requirements change and differ by line and filing: verify them with the Hawaii Insurance Division before you file. All states