The HPIA is a nonprofit unincorporated association of all licensed insurers that write property and casualty insurance in Hawaii. Each insurer is required to be a member of the HPIA as a condition of their authority to transact business in the State. Each member insurer participates in the writings, expenses, profits, and losses of the HPIA in proportion to their market share of property and casualty insurance written in Hawaii. There is no public funding or taxpayers’ monies involved.