Personal Lines, including Automobile, Homeowners and Dwelling Fire, plus a Full Line of Commercial Coverages

Crum & Forster’s Hawaii business unit offers personal lines insurance, including personal automobile, homeowners, dwelling fire, as well as a full line of commercial insurance coverages. Our operations are based in Hawaii and include underwriting, claims, risk engineering, premium audit, and billing & collections so we are able to fully serve our local customers.

We market our insurance products through 20 local independent agencies. These agencies are primarily domiciled on the Island of Oahu and do business state-wide through branch offices located on the neighboring islands.

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Main Line: 808-537-5221
From Neighbor Island (Toll-Free): 800-953-7999
24-Hour Claims: 800-690-5520


Claims: 877-622-6144
Underwriting: 808-523-5839
Billing & Collections: 877-622-6123


Crum & Forster
737 Bishop Street
Mauka Tower, Suite 2500
Honolulu, HI 96813


Claims Support
(808) 537-5221

Commercial Insurance

For over 40 years, Crum & Forster has offered a broad selection of commercial insurance in Hawaii focused on the businesses serving the Hawaiian people. We write a variety of classes and sizes of risk reflecting the composition of commerce in Hawaii. We have been successful in many business segments, including:

  • New and used car dealers
  • Automobile service and repair businesses
  • Wholesale trade – durable and non-durable
  • Business services
  • Construction for non-residential contractors
  • Restaurants
  • Real Estate related businesses
  • Retail business

Within these segments we write single or multiple lines of coverages, including:

  • Commercial property
  • General liability
  • Inland marine
  • Commercial automobile
  • Workers’ compensation
  • Commercial umbrella

Our experienced underwriting staff is locally hired and trained and has developed a solid reputation of trust among the producer community. Working with a network of independent agents, we provide a broad range of coverage and pricing options that are commensurate with a policyholder’s exposure to risk. We operate in a collaborative environment and work diligently at finding solutions.

We are supported by local Claims and Risk Engineering staff with expert knowledge of the jurisdiction. Our transparent approach to claims handling is well regarded, minimizes surprises, and helps promote early case resolution. Our Risk Engineering team works well with our policyholders to identify potential hazards and develop plans for mitigating losses. All important policyholder services, including premium accounting and premium audit, are handled in-house.

We focus on developing and maintaining positive, long-term relationships with our clients.

Personal Insurance

You’ve spent a lifetime building your dreams. Trust them to a company that understands and cares. Whether it’s your favorite automobile or your home and contents, we recognize your most valuable assets are more than just items on a claims report. They are extensions of you and your efforts to achieve your goals. If the unthinkable happens, Crum & Forster does more than hand you a check – We work to make it right!

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Automobile Insurance

Today car insurance is a fact of life. We all have to carry it. So consider insuring with the best. Crum & Forster offers a variety of coverages at very competitive prices. You may also qualify for one of many discounts available.

Homeowners Insurance

A comprehensive insurance package designed for today’s security-minded homeowner.


When you look at your condominium and its contents as your single largest personal investment, you do not want to take this for granted. Our coverage provides the protection you need.


When you look at your apartment and its contents as your single largest personal investment, you do not want to take this for granted. Our coverage provides the protection you need.

Personal Umbrella

Are you properly insured against claims that may exceed the liability limits of your basic personal lines insurance policies? Protect you and your family against financial disaster by obtaining a personal umbrella policy from Crum & Forster.

Equipment Breakdown

Homeowners equipment breakdown coverage protects home appliances and systems in the event of mechanical or electrical breakdown, artificially generated electrical current, rupture, bursting, bulging, implosion or steam explosion.

Identity Theft

Your Family. Your Identity. Looking after what matters to island families.

Crum & Forster Hawaii Team

Shannyn Kott

Vice President

Stefanie Young

Commercial Underwriting Manager

Cathi Borkenhagen

Director of Operations

Franklin Castillo

Premium Audit Supervisor

Precy Bajet

Manager, Billing & Collections

Premium Audit

Crum & Forster’s Premium Audit department performs periodic reviews of commercial policies, primarily Workers’ Compensation and General Liability but it may include other lines of business with premiums based on payroll, receipts or other basis of premium, to ensure that the estimated premium our underwriters have established at the outset of the policy period accurately reflects any changes in business operations that have occurred during the policy period.

Large or complex businesses typically require an in-person review of your accounting records and tax reports, while others may only require completed policyholders reports.

If you have premium audit inquiries, please email CrumPremiumAudit.SharedMailbox@cfins.com.

hand writing on paper with calculator

Billing & Collections

Billing & Collections manages our premium payments and billing system. Our friendly and knowledgeable staff provides excellent customer service and responds to billing and accounting inquiries within 24 hours.

We offer various payment plans to meet your financial needs. For personal lines policies, please contact your agent to sign-up for our monthly automatic deduction from your checking account.

Contact Information

Please call 808-537-5221 or e-mail us at HNL.Billing@cfins.com.

For all payments, please make checks payable and mail to:
U.S. Fire Insurance Company
P.O. Box 30280
Honolulu, HI 96820-0280

Other correspondence, please mail to:
Crum & Forster
P.O. Box 3937
Honolulu, HI 96812

This overview is provided for informational purposes only and is not intended to be a representation of coverage that may exist in any particular situation under a policy issued by one of the companies within Crum & Forster. All conditions of coverage, terms and limitations are defined and provided for in the policy.