FAQs

How Do I File A Business Insurance Claim?
Visit our Claims Resolution Center for complete claim filing instructions. Please file your claim with us or your insurance agent as soon as you become aware of an incident that causes damage to your property, other people’s property or causes injury to others or your employees.

 

How Can I Obtain A Business Insurance Quote?
Ask your independent agent for a FICOH insurance quote, or select an agent from the FICOH network. We offer a wide array of tailored commercial insurance products and look forward to helping to protect your business.

 

How Can I Obtain A Personal Insurance Quote?
If you’d like a personal auto insurance quote, you have three options:

Click: Get an instant online quote

Call: 527.7722 in Oahu or 800.272.5202 from neighbor islands

Connect: Find a local independent agent

For all other personal insurance needs, please contact your independent insurance agent or an agent in the FICOH network.

 

How Do I File A Personal Insurance Claim?
Visit our Claims Resolution Center for complete claim filing instructions. Please file your claim with us or your insurance agent as soon as you become aware of an incident that causes damage to your property, other people’s property or causes injury to others or your employees.

 

What are Hawaii’s Auto Insurance Coverage Requirements?
For the most current information about personal auto insurance requirements, please visit the Hawaii DMV. As always, we recommend that you discuss coverage options with an independent insurance agent so you can make an informed decision on the type of policy and coverages best suited for your situation

 

What if a Claim is Filed Against Me?
Visit our Claims Resolution Center for complete claim filing instructions.  Please notify us or your insurance agent of the potential claim as soon as possible. Our local claims adjusters will thoroughly investigate the incident and work diligently to fairly resolve your claim.

 

What Should I Do if I’m in an Automobile Accident?
If you are in an auto accident, follow these steps:

  • If possible, drive your vehicle out of the flow of traffic to where you can safely assess the damage and speak to the other driver without obstructing traffic. If you are on the side of the road, turn on your flashers to alert other drivers.
  • Stay calm and courteous.
  • Call the police to report the accident.
  • Do not speculate on why the accident occurred. Do not offer to pay or accept any money at the accident scene.
  • Obtain the driver’s name, contact information, driver’s license number and insurance information.  If there are passengers in the other vehicle, get their names and contact information as well.
  • Get name(s) and contact information for any witnesses to the incident.
  • If possible, take pictures of the damage to both cars and of the accident scene.
  • Please file your claim with us or your insurance agent as soon as possible. You may refer to our Claim Resolution Center for guidance on filing your claim.

 

What Does a Businessowners Policy (BOP) Cover?
The BOP is a package policy that includes tailored property and liability protection. It can be customized as needed to address your industry’s unique exposures. The BOP does not include workers’ compensation coverage. Learn more.

 

What is an Insurance Deductible?
A deductible is the amount of damage that must be exceeded before your insurance policy responds. For example, if the amount of your damage is $1,000 and your deductible is $500, your insurance policy would pay you the amount over $500, subject to the terms and conditions of our insurance policy. Policies with higher deductibles typically cost less.

 

What is Bodily Injury (BI) and Property Damage Liability coverage?
These are auto insurance coverages that work as follows:

  • Bodily Injury Liability coverage pays for the medical expenses and lost income of other parties involved in the accident, up to your policy’s limits of liability when you are at fault. 
  • Property Damage Liability coverage pays for damage to others’ property (such as a mailbox, vehicle or sign) when you are at fault.

 

What is FiRMS?
FiRMS is the acronym for First Risk Management Services, a subsidiary of FICOH.  FiRMS offers creative risk management solutions for complex, new and hard-to-place risks. Learn more about FiRMS here.

 

What is First Select Portfolio?
First Select Portfolio is a bundled coverage that protects your home and cars with one comprehensive, convenient and cost-effective policy. You can tailor this coverage bundle to include home, auto, identity theft and optional umbrella coverage. Learn more.

 

What is Personal Injury Protection (PIP)?
If you are in an automobile accident, Personal Injury Protection (PIP) will pay for your medical expenses and other coverages you have purchased, regardless of who is at fault. Coverage will extend to passengers in your car or where a pedestrian or bicyclist is involved.