Our Company

Since 1992, DTRIC Insurance has been spreading the good word on insurance exclusively in Hawaii. Our history in the islands and our high customer satisfaction and referral rates have helped DTRIC become Hawaii’s favorite local insurance company.

DTRIC Insurance Company, Limited (DTRIC) specializes in personal automobile, homeowners and renters insurance, umbrella insurance, and commercial and workers compensation insurance.   A household name in Hawaii and the local insurance industry, DTRIC is committed to providing its policyholders and agents with innovative, value-added insurance products and services exclusively in the state of Hawaii. Customers can access DTRIC’s insurance products directly or through its statewide network of authorized general agencies.

Because DTRIC only serves Hawaii, we have been able to develop a deeper understanding of our customers’ needs and lifestyles.  As a result, we have been able to create and offer better products and services. All DTRIC customers receive personalized, one-to-one attention from experienced insurance counselors who carefully review customers’ unique needs.  Thanks to responsible underwriting rules, a growing number of innovative auto and homeowners discounts, and state-of-the-art technology, we offer you valuable protection, benefits and services at competitive prices.

A major source of new DTRIC customers has actually been referrals from current customers.  In fact, nine out of 10 DTRIC customers would recommend DTRIC to their friends and family.  The company has built its reputation for outstanding customer service by offering Hawaii drivers, renters and homeowners an insurance company they can count on.  DTRIC has become known for putting their customers at ease and making policies simple to understand.  The company believes that claims should be resolved quickly and easily, so their customers can get on with their lives.

As a customer-focused company, DTRIC offers valuable insurance coverage, benefits and services at competitive prices exclusively to Hawaii residents and businesses.  This customer-first business philosophy has resulted in thousands of satisfied customers statewide.



Our History

DTRIC was established in 1992 at a time when most insurers were reluctant to offer automobile coverage in Hawaii due to rising claims costs and strict regulations created by the state’s no-fault law. With creative programs and solutions, DTRIC stepped in to replace a major insurer who canceled the group automobile program for the state’s largest public employee union.

In 1994, DTRIC expanded into commercial insurance lines in response to a severe downturn in the availability of general casualty and workers compensation insurance in Hawaii.  DTRIC provides workers compensation coverage to many Hawaii businesses and works closely with clients on operational and safety issues.  DTRIC has been instrumental in bringing stability to the local marketplace and reducing insurance costs.

In April 2001, DTRIC’s majority owner, Dai-Tokyo Fire & Marine Insurance Company, Limited, merged with Chiyoda Fire & Marine Insurance Company, Limited to form a new company called Aioi Insurance Company, Limited, one of the largest property and casualty insurers in Japan.  Aioi Insurance Company joined Royal State Group as DTRIC’s owners.  That same year in July, DTRIC unveiled its new legal name, DTRIC Insurance Company, Limited.

On October 1, 2010, Aioi Insurance Company, Limited and Nissay Dowa General Insurance Company, Limited merged and formed Aioi Nissay Dowa Insurance Company, Limited.  Aioi Nissay Dowa and Mitsui Sumitomo Insurance Company, Limited are subsidiaries of MS&AD Insurance Group Holdings, Inc., the largest non-life insurer in Japan and the seventh largest in the world.