Hawaii Adjuster Examination — Information & Free Practice
US-HI · Examination information
155 free questions · Answer explanations · No signup required
Hawaii Adjuster Examination
- Provider
- Pearson VUE
- Format
- Computer-delivered examination at a test center or online through OnVUE
- Exam questions
- 80 scored questions and 10 pretest questions
- Time limit
- 105 minutes
- Passing score
- Scaled score of 70
- Exam fee
- $75
Examination outline
Types of Policies, Bonds, and Related Terms (16 scored questions)
- Personal lines
- Personal lines: Dwelling and contents (DP forms)
- Personal lines: Personal liability
- Personal lines: Homeowners (HO forms)
- Commercial lines
- Commercial lines: Commercial property
- Commercial property: Commercial building and personal property forms
- Commercial property: Causes of loss forms
- Commercial property: Business income and extra expense
- Commercial lines: Commercial Package Policy (CPP)
- Commercial lines: Boiler and machinery coverage forms
- Commercial lines: Businessowners Policy (BOP)
- Inland marine
- Inland marine: Personal floaters
- Inland marine: Commercial floaters
- Inland marine: Nationwide Definition
- Others
- Others: Flood
- Others: Personal Watercraft
- Others: Earthquake
- Commercial general liability
- Commercial general liability: Basic Hazards
- Basic Hazards: Premises and Operations
- Basic Hazards: Products and Completed Operations
- Basic Hazards: Independent Contractors
- Basic Hazards: Contractual
- Commercial General Liability Coverage Forms
- Coverage A: Bodily Injury and Property Damage Liability
- Coverage A: Occurrence
- Coverage A: Claims Made
- Claims Made: Extended Reporting Periods: Basic and Supplemental
- Claims Made: Retroactive Date
- Coverage B: Personal Injury and Advertising Injury
- Coverage C: Medical Payments
- Supplementary Payments
- Who is an insured
- Limits
- Conditions (The candidate also should be familiar with ISO’s Common Policy Conditions)
- Automotive: personal auto and business (commercial) auto
- Automotive: Liability
- Automotive: Medical
- Automotive: Physical damage (collision and other than collision/comprehensive)
- Automotive: Uninsured motorists
- Automotive: Underinsured motorists
- Automotive: Who is an insured
- Automotive: Types of Auto
- Types of Auto: Owned
- Types of Auto: Non-owned
- Types of Auto: Temporary Substitute
- Automotive: Garage Coverage Form, including Garagekeepers insurance
- Workers Compensation insurance, Employers Liability insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.)
- Workers Compensation insurance, Employers Liability insurance, and Related Issues: Standard policy concepts
- Workers Compensation insurance, Employers Liability insurance, and Related Issues: Work-related vs. non-work-related
- Workers Compensation insurance, Employers Liability insurance, and Related Issues: Other states’ insurance
- Bonding and Crime
- Bonding and Crime: Fidelity
- Bonding and Crime: Crime
- Crime: Theft, disappearance, and destruction
- Crime: Robbery and safe burglary
- Crime: Premises burglary
- Crime: Custodian
- Crime: Messenger
- Professional liability
- Professional liability: Errors and Omissions
- Umbrella/Excess liability
Insurance Terms and Related Concepts (16 scored questions)
- Insurance
- Insurable interest
- Risk
- Hazard
- Peril
- Loss
- Loss: Direct
- Loss: Indirect
- Proximate cause
- Deductible
- Indemnity
- Actual cash value
- Replacement cost
- Limits of liability
- Coinsurance/Insurance to value
- Pair and set clause
- Extensions of coverage
- Accident
- Occurrence
- Cancellation
- Vacancy and unoccupancy
- Right of salvage
- Abandonment
- Liability
- Negligence
- Burglary
- Theft
- Binders
- Warranties
- Representations
- Concealment
- Bodily injury liability
- Property Damage liability
- Personal injury liability
- Insured contract
- Deposit Premium/Audit
- Certificate of Insurance
Policy Provisions and Contracts (16 scored questions)
- Declarations
- Insuring agreement
- Conditions
- Exclusions
- Definition of the insured
- Duties of the insured
- Obligations of the insurance company
- Mortgagee rights
- Proof of loss
- Notice of claim
- Appraisal
- Other Insurance Provision
- Assignment
- Subrogation
- Arbitration
- Warranties, representations, and concealment
- Binders
- Cancellation and nonrenewal policies
- Additional (supplementary payments)
- Claims made policy form
- Salvage
- Loss settlement provisions including consent to settle a loss
- Limitations
Hawaii Laws and Rules Pertinent to Adjuster (12 scored questions)
- Insurance Commissioner
- Insurance Commissioner: General powers and duties
- Insurance Commissioner: Examination of records
- Insurance Commissioner: Notice of hearings
- Insurance Commissioner: Penalties
- Definitions
- Definitions: Authorized and unauthorized
- Definitions: Domestic, foreign, and alien
- Definitions: Stock, reciprocal and mutual
- Definitions: Certificate of authority
- Definitions: Insurance
- Licensing
- Licensing: General provisions and definitions
- Licensing: Licensing requirements
- Licensing requirements: Adjuster
- Licensing: Denial, suspension, revocation of licenses, reinstatements and fines
- Licensing: Records and reporting requirements
- Marketing practices
- Marketing practices: Unfair and deceptive practices
- Marketing practices: Public Adjuster contracts
- Guaranty Associations
Hawaii Laws and Rules Pertinent to Property Insurance Only (6–8 scored questions)
- Definitions
- Definitions: Property insurance
- Definitions: Marine and transportation insurance
- Standard Form Fire Policy
- Overinsurance
- Hawaii Property Insurance Association (HPIA)
Hawaii Laws and Rules Pertinent to Casualty Insurance Only (12–14 scored questions)
- Definition of Casualty Insurance
- Hawaii Motor Vehicle Insurance Law
- Hawaii Motor Vehicle Insurance Law: Purpose
- Hawaii Motor Vehicle Insurance Law: Self-insurance
- Hawaii Motor Vehicle Insurance Law: Required limits and coverages
- Hawaii Motor Vehicle Insurance Law: Abolition of tort liability
- Hawaii Motor Vehicle Insurance Law: Personal Injury Protection (PIP)
- Hawaii Motor Vehicle Insurance Law: Premium determination
- Hawaii Motor Vehicle Insurance Law: Hawaii Joint Underwriting Plan
- Hawaii Motor Vehicle Insurance Law: Renewal, nonrenewal and cancellation
- Financial Responsibility
- Financial Responsibility: Definition of proof of financial responsibility
- Financial Responsibility: Proof required
- Uninsured and Underinsured Motorists
- Worker’s Compensation
- Worker’s Compensation: Definitions
- Worker’s Compensation: Requirements
- Requirements: Exclusiveness of right to compensation
- Worker’s Compensation: Coverages
- Coverages: Insurance contract
- Worker’s Compensation: Benefits
- Benefits: Total disability
Examination sources
- Hawaii Insurance Examination Content Outlines, effective January 1, 2026
cover, Content Outlines effective date
- Hawaii Insurance Examination Content Outlines, effective January 1, 2026
S12–S15, Hawaii Adjuster Examination Content Outline, exam heading
- Hawaii Insurance Examination Content Outlines, effective January 1, 2026
S12–S15, Hawaii Adjuster Examination Content Outline, section I
- Hawaii Insurance Examination Content Outlines, effective January 1, 2026
S12–S15, Hawaii Adjuster Examination Content Outline, section II
- Hawaii Insurance Examination Content Outlines, effective January 1, 2026
S12–S15, Hawaii Adjuster Examination Content Outline, section III
- Hawaii Insurance Examination Content Outlines, effective January 1, 2026
S12–S15, Hawaii Adjuster Examination Content Outline, section IV
- Hawaii Insurance Examination Content Outlines, effective January 1, 2026
S12–S15, Hawaii Adjuster Examination Content Outline, section V
- Hawaii Insurance Examination Content Outlines, effective January 1, 2026
S12–S15, Hawaii Adjuster Examination Content Outline, section VI
- Hawaii Insurance Examination Content Outlines, effective January 1, 2026
S12–S15, Hawaii Adjuster Examination Content Outline, scored question count
- Hawaii Insurance Licensing Candidate Handbook, January 2026
p.9, Score Explanation, Scaled Score
- HAR Chapter 16-171, Miscellaneous Insurance Rules, compilation effective January 1, 2022
HAR §16-171-311, Passing examination score
- Hawaii Insurance Licensing Candidate Handbook, January 2026
p.14, Available Test Center Exams, InsHI-Adj14
- Hawaii Insurance Licensing Candidate Handbook, January 2026
Quick Reference, Making an exam reservation
- Hawaii Insurance Licensing Candidate Handbook, January 2026
p.5, Exam Fees
Related license preparation
This examination may be required or accepted as an alternative, depending on the license and application pathway.