Insurance Solutions for Hawaii Businesses
Whether you’re just starting out or managing a growing company, the right commercial insurance can make all the difference. We help Hawaii business owners stay protected from property damage and liability claims to workers’ compensation and cyber threats. No jargon, just policies that work.
General Liability Insurance
Protects your business from everyday risks like customer injuries or property damage.
Commercial Auto Insurance
Covers vehicles used for business, whether it’s one car or an entire fleet.
Professional Liability Insurance
Helps protect you if a client claims negligence or mistakes in your professional service.
Business Owners Policy (BOP)
Combines property and liability coverage in one easy, bundled policy.
Workers’ Compensation
Required for most Hawaii businesses, covers wage loss and medical care for injured employees.
Cyber Insurance
Covers losses from data breaches, cyberattacks, and privacy claims.
Common Questions About Commercial Insurance
Do I need general liability insurance for a small business?
Absolutely. General liability coverage is a foundation for protecting your business, no matter the size. It covers things like customer injuries, property damage, and legal expenses if you're held responsible. Even if you're a sole proprietor or run a home-based business, having this protection can help you meet lease requirements, vendor contracts, and client expectations. It also shields your personal and business assets from costly claims.
What’s the difference between general liability & professional liability?
General liability insurance protects you from physical or property-related claims, such as a customer slipping in your store or a tool damaging a client’s property. Professional liability, often called Errors & Omissions (E&O) insurance, covers financial losses related to services you provide, such as giving incorrect advice, missing deadlines, or making a professional mistake. If your business provides expertise or service, it’s often smart to carry both types.
How do I know what coverage I need?
That’s where we come in. Every business has different risks depending on the industry, number of employees, equipment used, and daily operations. We take the time to understand your business and match you with the right policies so you’re protected without paying for what you don’t need.
Can I combine policies to save money?
Yes, many small and mid-sized businesses benefit from bundling coverage through a Business Owners Policy (BOP). A BOP typically includes general liability and property insurance in one package, often at a lower combined rate. It's a cost-effective way to get solid coverage with fewer moving parts, and we’ll help you compare options from multiple carriers.
What other commercial policies might I need?
Depending on your business, you may need commercial auto insurance, cyber liability, workers’ compensation, or even inland marine coverage if you're moving equipment or goods. We’ll identify gaps and explain your options clearly so nothing gets overlooked.