If an applicant presents a risk which is greater than that contemplated by the rate normally applicable hereunder, the servicing carrier shall consult with the board before submission to the insurance commissioner for an increase in such rate. An increase in rate approved by the insurance commissioner shall be deemed to include any applicable additional charge. Rates for such extra hazardous risks must comply with section 431-694(h), HRS.
Haw. Code R. § 16-7-20