For more complete descriptions of the terms, conditions and exclusions of insurance coverages or other products or services, please contact your independent agent or refer to the particular policy or contract. Please remember that only an insurance policy or contract can provide actual terms, coverages, amounts, conditions, limitations and exclusions.
You should also remember that the availability of described coverages and other products and services may be limited by state or other applicable laws and by FICOH underwriting criteria. Additionally, in certain cases, references to FICOH may include one or more affiliates of First Insurance Company of Hawaii, Ltd.; however, any particular insurance policy or other product or service is the responsibility only of the specific FICOH company that issues or supplies such policy, product or service.
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