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Captive insurers. Tourists enjoy sunbathing, surfing, boating and swimming at Waikiki beach in Honolulu. Hawaii pitches itself to the captive industry on its website, boasting about low taxes and corporate-friendly laws. (Photo: Bloomberg)

Ride-sharing giants Lyft Inc. and Uber Technologies Inc. seem to have found the same solution for dealing with the risks of managing millions of drivers on the road: Creating their own insurers in Hawaii.

 

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