DTRIC Insurance

What DTRIC Insurance does

DTRIC Insurance Company, Limited is a Hawaii-domiciled property and casualty insurer founded in 1992 that provides personal and commercial insurance products to Hawaii residents and businesses. Its core product portfolio includes personal automobile, homeowners, renters, and umbrella insurance, supplemented by commercial auto and workers' compensation coverage for Hawaii businesses. The company distributes exclusively through a network of independent insurance agents across all major Hawaiian islands (Oahu, Maui, Hawaii Island, and Kauai), with operational support delivered via a Honolulu-based customer service center, 24/7 claims hotline, online policyholder portal, and a telematics-based "Visual Drive" safe-driving program.

The underlying technology stack centers on a standard insurance policy management and claims processing platform, augmented by the Visual Drive mobile telematics application that captures acceleration, braking, cornering, speed, distance, geo-location, and device-use data to deliver driving behavior feedback and premium discounts. DTRIC also operates branded value-added programs including Deductible WipeOut (deductible reduction rewards for claim-free driving), the DTRIC Gold Card (free emergency roadside service), and Identity Theft Recovery Coverage. The company holds trademarks on Deductible WipeOut and DTRIC Gold Card.

DTRIC's revenue model is built on recurring premium subscriptions across its personal and commercial P&C lines, billed monthly with options for ACH and payroll deduction, and distributed through independent agents. The firm is a wholly owned subsidiary of Aioi Nissay Dowa Insurance Company, Limited (ADI), which is itself 100%-owned by MS&AD Holdings (Japan's largest insurance holding company and the eighth-largest P&C group globally). ADI provides explicit parental financial backing via a Parental Financial Guarantee Agreement filed with the Hawaii Insurance Division. DTRIC is currently transitioning to a run-off insurance company and will no longer issue new policies, while continuing to administer the existing book, manage claims, and satisfy contractual and statutory obligations.

Name

DTRIC Insurance

Legal name

DTRIC Insurance Company, Limited

Website

https://dtric.com

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

51–100 employees

Short description

DTRIC Insurance is a Hawaii-only property and casualty insurer offering personal and commercial coverage (auto, homeowners, renters, umbrella, workers' comp) exclusively through independent agents. It is a wholly owned subsidiary of Japan's MS&AD Insurance Group and is now transitioning to a run-off insurance company.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

akta.pro secondary industries

Renters Insurance (FSAJACAB), Commercial General Liability (CGL) (FSAJADAA)

Keywords

• Property casualty insurance
• Auto insurance
• Homeowners insurance
• Umbrella insurance
• Workers compensation

Headquarters

HQ city

Honolulu

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Personal Auto Insurance: DTRIC Insurance generates revenue through personal automobile insurance policies. As a property and casualty insurer, the company collects recurring premiums from policyholders in exchange for coverage protection. Premiums are paid through various billing options including monthly installments, automatic bank account deduction (ACH), or payroll deduction.
2. Personal Property Insurance: Revenue is generated from homeowners and renters insurance policies. These recurring premium products provide property coverage and protection against specified risks for Hawaii residents.
3. Commercial/Business Insurance: DTRIC Insurance historically offered commercial insurance lines including workers' compensation coverage and general casualty insurance for Hawaii businesses, providing another source of premium revenue.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

DTRIC Insurance is a Hawaii-based property and casualty insurance company that underwrites and services personal and commercial insurance products for Hawaii residents and businesses. The company's core offerings include personal auto, homeowners, renters, and umbrella insurance for individuals and families, along with commercial auto, workers' compensation, and risk consulting services for business clients. Coverage is distributed primarily through a statewide network of independent agents, supported by an online customer portal and 24/7 claims service.

Product overview

DTRIC Insurance offers a portfolio of property and casualty insurance products and services primarily serving Hawaii residents and businesses. The core personal insurance offerings include Car Insurance, Homeowners Insurance, Renters Insurance, and Umbrella Insurance. For business customers, the company provides Business Auto Insurance and Workers' Compensation Insurance. The product ecosystem includes several add-on modules and value-added services: Deductible WipeOut (a reward program reducing deductibles for safe driving), the DTRIC Gold Card (free emergency roadside service), Identity Theft Recovery Coverage, and Visual Drive telematics program for safe driving feedback and discounts. Claims handling is supported through a 24/7 online claims reporting platform, Preferred Auto Repair Partners network, and a locally-based claims center. DTRIC operates as a run-off insurance company transitioning away from issuing new policies while continuing to service existing customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Car Insurance Personal auto insurance coverage designed for Hawaii drivers and families, distributed through independent agents across the islands with bundled value-added programs such as Deductible WipeOut, Visual Drive safe driving, Gold Card roadside service, and identity theft recovery.
• Homeowners Insurance Personal homeowners insurance for Hawaii residents covering property damage from island-specific perils including hurricanes, windstorms, and other covered events, distributed through independent agents.
• Renters Insurance Personal renters insurance for Hawaii residents who lease their homes, providing personal property and personal liability coverage distributed through independent agents.
• Umbrella Insurance Personal umbrella liability insurance that extends liability limits above the underlying auto and homeowners policies for Hawaii individuals and families seeking additional asset protection.
• Business Auto Insurance Commercial auto insurance for Hawaii-based small and mid-sized businesses, covering company vehicles and fleets and distributed through independent agents.
• Workers' Compensation Insurance Commercial workers' compensation insurance covering employee injury liability for Hawaii-based employers in compliance with Hawaii workers' compensation requirements, distributed through independent agents.
• Risk Consulting Services Risk management and consulting services for Hawaii businesses, helping employers identify, mitigate, and manage operational, safety, and driver-related risks in support of their commercial insurance program.

Quantifiable outcome

• Nine out of ten DTRIC customers would recommend the company to friends and family

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core and minor.

• Independent Insurance Agencies (Hawaii)coreChannel Partner/ Reseller/ DistributorDTRIC distributes products exclusively through independent insurance agencies across Hawaii. Partner agencies include ACW Group LLC, Alliant Insurance Services, Atlas Insurance Agency, Brown & Brown Pacific, and dozens of others located throughout Oahu, Maui, Hawaii Island, and Kauai.
• Budget Rent-a-Car and Enterprise Rent-a-Car (Hawaii)minorStrategic or Co-development PartnerDTRIC Gold Card members receive reduced rates and rental collision damage waiver exemptions when renting from Budget or Enterprise locations in Hawaii. This partnership provides additional value to auto insurance customers.

Scale indicators4 records

Recent moves10 records

Direct peers

• Island Insurance: Hawaii-based property and casualty insurer offering personal and commercial lines across the islands, making it the closest direct peer in market focus, product mix, and distribution model.
• First Insurance Company of Hawaii: Hawaii-domiciled P&C carrier (part of First Hawaiian) writing personal and commercial property and casualty insurance through local agents; directly comparable in geography and product set.

Broad incumbents

• Aioi Nissay Dowa Insurance Company: Direct parent of DTRIC and the fourth-largest P&C insurer in Japan; comparable as the underlying carrier whose portfolio and brand back DTRIC's operations.
• MS&AD Insurance Group: Ultimate parent group and Japan's largest insurance holding company (8th-largest P&C group globally); provides the explicit parental guarantee framework that supports DTRIC's claims-paying obligations.
• Tokio Marine: Major Japanese/global P&C incumbent and sibling competitor within the broader Japanese insurance landscape; comparable as a large-scale diversified P&C carrier serving multi-channel distribution.
• State Farm: Largest U.S. personal lines P&C writer with strong agent-based distribution; broadly comparable as a personal auto and homeowners carrier leveraging exclusive/exclusive-like agent networks.
• Allstate: National U.S. P&C carrier focused on personal auto and homeowners with agent distribution; directly comparable as a national personal lines incumbent in the categories DTRIC writes.
• Liberty Mutual: Diversified U.S. personal and commercial P&C carrier with personal auto and homeowners franchises; comparable across DTRIC's personal and commercial lines.
• Mitsui Sumitomo Insurance Company: Sibling MS&AD subsidiary and major Japanese P&C insurer; comparable as a sibling carrier operating under the same group governance and risk-management framework.

Emerging players

• Progressive: U.S. auto insurance leader, also expanded into home and bundled offerings; comparable for personal auto underwriting, telematics (Snapshot), and product innovation overlap.

Market position

Strengths3 records

Weaknesses3 records

Competitive moat4 records

Key risks4 records

Key highlights5 records

Customer concentration

• YouTubeyoutube.com/user/DTRICInsurance
• Facebookfacebook.com/DTRICInsurance
• LinkedInlinkedin.com/company/1080440
• Instagraminstagram.com/dtricinsurance
• Xx.com/DTRICInsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about DTRIC Insurance