Hawaii Surplus Lines case studies
Hawaii Surplus Lines · Put your knowledge to work in context.
The Hawaii Surplus Lines license is a property and casualty authority that lets a licensed producer place coverage with non-admitted insurers when admitted carriers in Hawaii will not write the risk. It is built for producers who already hold a Hawaii property and casualty license and want to serve clients with unusual, high-hazard, or hard-to-place exposures. The Hawaii Insurance Division sets the licensing requirements, while Pearson VUE administers the licensing examinations and handles scheduling, rescheduling, and cancellations through its online account system. The exam tests surplus lines rules and the property and casualty knowledge needed to place non-admitted business compliantly. The Hawaii Surplus Lines case studies are 5 cases and about 2,225 words.
1Puna Resort Property Placement: Diligent Effort and Disclosure
A Honolulu surplus lines broker is asked to place 8 million commercial property coverage for a 120-room resort in Puna, Hawaii, effective July 1. The risk includes lava-zone exposure and a prior volcanic damage claim.
502 words, about 3 min2Maui Contractor and a Non-Eligible Surplus Lines Insurer
A Maui surplus lines broker is asked to place 2 million environmental liability coverage for a general contractor. The current policy expires in six days.
451 words, about 2 min3Multistate Restaurant Chain: Home State and Premium Tax Allocation
A Hawaii-domiciled restaurant chain with 40 locations-25 in Hawaii, 10 in California, and 5 in Nevada-seeks a 2 million commercial general liability policy. The insured's principal place of business is Honolulu.
424 words, about 2 min4Quarterly Premiums, Return Premium, and Records
A Honolulu surplus lines broker writes three Hawaii policies in the first quarter. Policy A: 30,000 premium, 250 policy fee, 500 inspection fee.
446 words, about 2 min5Producer-Only Staff, Referral Fees, and Gift Cards
A Honolulu insurance agency holds a producer license but not a surplus lines broker license. Its employee, who holds a producer license, solicits a 3 million excess flood policy for a client and negotiates terms directly with an unauthorized insurer.
402 words, about 2 min