How should a surplus line insurer act in the state of Hawaii?

A surplus line insurer in Hawaii is required to employ a producer, which is essentially an insurance agent or broker, who is licensed to represent the insurer. The role of the producer includes ensuring that the surplus line insurer complies with state regulations, maintains proper licensure, and conducts business in accordance with the Hawaii Revised Statutes governing surplus lines insurance. This requirement helps maintain regulatory oversight and consumer protection in the insurance market.

The other options imply actions that do not align with the regulatory framework governing surplus lines insurers in Hawaii. Offering discounts without approval could violate guidelines set by state insurance regulators, while engaging in direct marketing may necessitate compliance with additional regulations. Conducting business without oversight would undermine the statutes designed to protect both consumers and the integrity of the insurance market. Thus, employing a producer aligns with the framework of regulatory compliance and operational integrity for surplus line insurers in Hawaii.