About Us

Our Policyholders

Our policyholders are more than just customers — they are our owners as well.

We are a mutual insurance company: As a private corporation owned by our policyholders, when we profit, so do our policyholders, who may be eligible to receive dividends. Our Board of Directors is comprised of policyholders. This means we are governed by and accountable to the businesses we serve.

We understand Hawaii’s businesses like no one else: Based in Hawaii, our staff and operations are 100% local and we only insure Hawaii businesses. We provide personalized service to businesses large and small, across all industries and demographics.

We are rated “A” , Excellent by A.M. Best, a testament to our financial strength and ability to meet our future obligations.  

All policyholders have equal voting rights and benefits. No matter how big or small, no matter what the industry or level of risk, each policyholder has a vote and enjoys the same benefits and services.

We have the most extensive safety resources and loss prevention programs. We spend time getting to know each of our clients, so that together we can practically and successfully improve the safety of their workplace. This prevents losses and reduces costs, improving the bottom line for businesses large and small.