HONOLULU (HawaiiNewsNow) - The lawsuits keep coming against Hawaiian Electric's companies over the Maui wildfires, but some say the legal landscape for HECO has actually improved over time. That's good for the company because HECO will not get much protection from its insurance companies. In response to questions from the Public Utilities Commission, Hawaiian Electric Industries made public its insurance policy, which only provides about $165 million in liability coverage. The key to HECO's liability is whether investigations and courts conclude HECO equipment or negligence caused the fire. Video of a morning fire apparently caused by power lines provoked multiple lawsuits, despite strong denials by HECO and some evidence a second fire burned the town. Henry Curtis, executive director of Life of the Land, which is a party in the PUC evaluation of HECOs grid strengthening plans said that key question is up in the air. "At this point we have absolutely no idea what caused the second fire," Curtis said.