What This License Is
A Hawaii Casualty license lets you sell coverage protecting against legal liability — auto liability, commercial general liability, workers compensation, and umbrella lines in Hawaii. It is issued by the Hawaii Department of Commerce & Consumer Affairs, Insurance Division.
Licensing runs through the same process as every Hawaii producer line — the difference is the focused Casualty exam.
Exam Options & Format
The Casualty exam is Casualty Producer (InsHI_Cas04): 103 total (91 scored: 50 general + 41 Hawaii; 12 pretest) questions, 2 hr 15 min (75 min general + 60 min state), $75 per attempt. Passing standard: 70%.
Hawaii does not offer a combined exam for these lines — each line of authority is its own exam, so producers who want both simply take both exams.
Getting your Hawaii Property & Casualty license
Hawaii makes the P&C path refreshingly direct: no mandatory pre-licensing course, no seat-time requirement. Be 18 or older, pass the required exams, clear a fingerprint background check, and apply through NIPR. If you can pass, you can get licensed.
The structural thing to know: Hawaii has no single 'Property & Casualty' exam. To carry both lines you take two separate exams - the Property exam and the Casualty exam. They both go on one producer license, and you can take both in a single test-center session since Hawaii allows up to two exams per sitting.
So the full P&C path is: study -> pass the Property exam -> pass the Casualty exam -> get fingerprinted -> apply online through NIPR -> get licensed. One application, one license, two lines of authority.
What the Property & Casualty exams actually cover
On the Property side, the General portion is dominated by Types of Policies (homeowners HO-2 through HO-8, dwelling DP-1/2/3, commercial property, BOP, builders risk, inland marine, flood) and a large block of insurance terms and concepts (ACV vs. replacement cost, coinsurance, indemnity, perils, hazards, proximate cause). Then policy provisions and contract law round it out.
On the Casualty side, the General portion centers on Types of Policies, Bonds & Related Terms - commercial general liability (Coverage A/B/C, occurrence vs. claims-made), personal and commercial auto, workers' compensation and employers liability, crime, surety and fidelity bonds, professional liability, and umbrella/excess. Plus the shared terms-and-concepts and policy-provisions blocks.
The Hawaii State portion shares the common all-lines block (Commissioner, definitions, licensing, marketing practices, guaranty association) and the P&C-only block (adjusters, surplus lines/unauthorized insurers, rate regulation). Property then adds Hawaii's Standard Fire Policy, the Hawaii Property Insurance Association (HPIA), and the Hawaii Hurricane Relief Fund. Casualty adds the big one - the Hawaii Motor Vehicle Insurance Law (no-fault PIP, abolition of tort liability, compulsory limits, the Joint Underwriting Plan, TNC and peer-to-peer rules) - plus financial responsibility, UM/UIM (including stacking), motorcycle coverage, and Hawaii workers' compensation.
From passing scores to an actual license
After you pass both exams, get fingerprinted through Fieldprint Hawaii. Book online and enter the code HI-DCCA-INS so the results route to the Insurance Division. The fee (about $63) covers state and federal submission. Applying for multiple license types at once means one fingerprinting; a later separate application means fingerprinting again.
Then apply electronically through NIPR within 60 days of fingerprinting and pay the resident producer license fee (currently $150). Initial paper applications aren't accepted. Both the Property and Casualty lines go on the same producer license and the same $150 application.
Already licensed for these same lines in another state? Hawaii may waive the exam - generally if you're currently licensed elsewhere for the same lines, or if you apply within 90 days of your prior license's cancellation with a good-standing certification.
Costs, continuing education, and renewal
Budget roughly: $75 per exam ($150 for Property + Casualty), about $63 for fingerprinting, and $150 for the license application - around $363 all-in for the P&C path, assuming first-try passes.
Licenses renew every two years, due the last day of your birth month - even birth-months renew in even years, odd in odd years. The resident renewal fee is currently $100.
For CE, a Property & Casualty producer needs 24 hours per two-year term - 21 hours of Property/Casualty content plus 3 hours of ethics or insurance law/rules. Finish and report all CE before submitting your renewal. Hawaii doesn't allow carryover of extra credits, and you can't repeat a course for credit within 24 months. (If you also hold Life and A&H lines, the split becomes 10 hours L&H + 11 hours P&C + 3 hours ethics/law instead.)
Quick Reference
Official Links
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