What types of Insurance does Hawaiian Insurance and Guaranty Company, Limited ("HIG") provide?
HIG provides auto, home, dwelling fire, and hurricane insurance.

Where is Hawaiian Insurance and Guaranty Company, Limited insurance available?
HIG currently operates in Hawaii.
 

What is Hawaiian Insurance and Guaranty Company, Limited's rating?
HIG is rated B+ by A.M. Best and A by Demotech.

How long has Hawaiian Insurance and Guaranty Company, Limited been in business?
HIG has been operating its industry-leading model of superior service and lower costs since 2006.

How can Hawaiian Insurance and Guaranty Company, Limited offer superior service AND lower costs?
HIG has turned the insurance industry on its head. While other companies have eliminated their agents and compel their customers to deal with faceless 1-800 "customer service" voices, HIG eliminated the home office and empowers its agents to manage 100% of their customers' insurance needs.

This revolutionary model is called the Micro-Insurance Company® (MIC).

• Eliminates the duplication inherent in the old line company business model;
• Streamlines the underwriting and claims functions;
• Provides the agency with real time customer service technology; and
• Eliminates all branch office expenses and most home office expenses.

How are MICs organized?
Each location is formed into a mutually supportive community of entrepreneurs. This community is made up of a MIC that is the main organizing and management unit. Additional community members are a local independent insurance adjustor, an auto repair shop, a glass repair shop, and a fire and smoke clean-up organization. As a MIC grows, there will be other members such as a local attorney and additional contractors.

All customer functions and interaction are handled by the MIC. HIG operates a Quality Control Center (QCC) that provides the tools and support that empower the local MICs to operate effictively.

Each MIC chooses an Underwriting and Claims Manager (UCM), who is responsible for the success of HIG within the MIC. The UCM manages all of the underwriting and claims administration within the MIC.

Each UCM and principal is, in turn, part of a state team. The state team is responsible for second tier underwriting guidelines, general new MIC screening, communicating state issues and concerns, and general quality control of the MICs performance.

This organizational structure allows for the ultimate in flexibility, responsiveness, and cost reduction.