Business Details
50+ Years
experience
Emergency
services
Your Trusted Insurance Partner in Hawaii
Founded in 1911, we have been insuring Hawaii's residents and businesses for over a century. Our longevity reflects our deep understanding of the unique insurance needs of our customers, supported by local knowledge and global backing from the Tokio Marine Group. As the largest property and casualty insurer headquartered in Hawaii, we offer superior financial strength with an A+ (Superior) rating from A.M. Best and policyholder surplus exceeding $263 million. Our commitment to convenience allows clients to access all personal and business insurance protection through one local insurer, represented by a network of 26 independent agencies. We prioritize peace of mind through fast, professional service and creative solutions for non-standard risks via our brokerage operation, First Risk Management Services (FiRMS).Local claims adjusters ensure prompt resolution, while our community involvement underscores dedication to Hawaii's people and businesses. Our financial stability, demonstrated by $833.7 million in total admitted assets and $345.8 million in gross written premiums, reinforces our ability to deliver reliable coverage. We combine local service with global capabilities to provide tailored insurance products, including personal auto, homeowners, commercial packages, and workers' compensation. Our customer service commitment focuses on transparency, expertise, and rapid response during critical moments.
Services
Personal Auto Insurance
Homeowners Insurance
Commercial Package
Workers' Compensation
Risk Management
Condo Insurance
Renters Insurance
Commercial Property
Commercial Auto Insurance
Flood Insurance
Details
- Year established: 1911
Highlights and features
- We have over 110 years of experience insuring Hawaii residents and businesses
- We offer superior financial strength with $263 million policyholder surplus
- Our local claims adjusters resolve issues quickly with regional expertise
- We provide creative solutions for non-standard risks through FiRMS
- We maintain an A+ (Superior) rating from A.M. Best for financial stability
Associations and certifications
- A.M. Best
Services
Personal Auto Insurance
Robust protection for personal vehicles includes accident forgiveness and loyalty credits. Our policies cover property damage, liability, and uninsured motorists while offering competitive rates. Local claims service ensures faster resolution for Hawaii drivers.
Homeowners Insurance
Island-tailored coverage protects against fire, theft, and liability. Policies include rebuilding cost coverage and flood protection through the National Flood Insurance Program. Local adjusters expedite claims for quicker recovery.
Commercial Package
Combined property, liability, and business interruption coverage for Hawaii businesses. Includes risk management resources and workers' compensation options. Tailored solutions for local commercial needs with global financial backing.
Workers' Compensation
Protects businesses against work-related injury claims. Includes risk management strategies and safety resources. Local adjusters handle claims efficiently to minimize business disruption and ensure regulatory compliance.
Risk Management
Proactive strategies to identify and mitigate business risks. Services include safety training, claims analysis, and regulatory compliance guidance. Designed to reduce incidents and lower insurance costs through preventive measures.
Questions
How do I file an insurance claim?
Visit our Claims Resources Center online or contact our Catastrophe Call Center at 1-888-FICOH4U for storm-related claims. Local adjusters will assist with the process.
What areas do you serve?
We primarily serve Hawaii residents and businesses with offices in Honolulu and agents across the state, including Neighbor Islands.
What payment methods are accepted?
You can pay online using Visa or Mastercard, or contact our billing department at (808) 527-7313 for other payment options.
Are you open on weekends?
Our normal business hours are Monday-Friday 8am-4pm. We are closed on major holidays and weekends.
What types of business insurance do you offer?
We provide commercial packages, general liability, property insurance, workers' compensation, and specialized coverage for automotive businesses and contractors.
Do you offer bundling discounts?
Yes, our First Select Portfolio offers savings when you bundle multiple coverage types like auto, homeowners, and flood insurance.
