Personal Lines Including Automobile, Homeowners, Dwelling Fire, and a Full Line of Commercial Coverage

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

Our office markets its 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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Risk Engineering » Premium Audit »


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
Financial Operations: (877) 622-6123


Crum & Forster
737 Bishop Street
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 received, minimizes surprises, and promotes early case resolution. The Risk Engineering team works well with our policyholders to identify potential hazards and to develop plans for mitigating losses. All important policyholder services, including premium accounting and premium audit, are handled in-house.

Our goal is to develop a progressive and long term relationship 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, your home and contents, we recognize your most valuable assets are more than just items on a balance sheet. They are extensions of you and your life long dreams. If the unthinkable happens, Crum & Forster does more than hand your 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 your security for granted.


When you look at your apartment and its contents as your single largest personal investment, you do not want to take your security for granted.

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 the home appliances and systems in the event of: Mechanical or electrical breakdown, Artificially generated electrical current as well as Rupture, bursting, bulging, implosion or steam explosion.

Identity Theft

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

Crum & Forster / Hawaii Team

Lloyd Chaffin

Executive Vice President
[email protected]

Shannyn Kott

Commercial Lines Underwriting Manager
[email protected]

Cathi Borkenhagen

Operations Manager
[email protected]

Franklin Castillo

Premium Audit Supervisor
[email protected]

Precy Bajet

Financial Operations Manager
[email protected]

Premium Audit

Crum & Forster Premium Audit department performs periodic reviews of commercial policies, primarily Worker’s 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 a completed policyholders reports.

If you have premium audit inquiries, please contact Frank Castillo, Premium Audit Supervisor at 808-526-1633 or at [email protected].

hand writing on paper with calculator

Financial Operations (Billing and Collections)

Financial Operations 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 [email protected].

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

Other correspondences, please mail to:
Fairmont Specialty
P O Box 3937
Honolulu HI 96820