Protect Your Business from Everyday Risks

While it’s not legally required by the state, many landlords, vendors, and clients will require proof of general liability coverage before doing business with you. It’s also one of the most important protections a business can have, especially in industries where physical space, customer interaction, or onsite work is involved. Having coverage can help legitimize your business and avoid serious financial risk.

Nearly every business can benefit from general liability insurance. This includes retail shops, restaurants, construction contractors, beauty salons, medical offices, and professional consultants. If your business interacts with clients, works on someone else’s property, or has a physical space open to the public, this type of policy can help protect you from lawsuits related to injuries, property damage, and even advertising claims.

No. General liability covers third-party claims, meaning it protects your business if someone outside your organization—like a customer or visitor—is injured or suffers a loss. For employee injuries or work-related illness, you’ll need a separate policy. Workers’ Compensation Insurance is required for most Hawaii employers, and we can help you secure both policies to ensure full protection.

Yes, and it’s often a smart way to save. Most small and mid-sized businesses benefit from bundling general liability with property insurance into a Business Owners Policy (BOP). A BOP gives you broad protection in one simplified package and can help lower your total premium while reducing administrative hassle.

Typical claims include customer slip-and-fall injuries, accidental damage to a client’s property, and legal defense costs if you're sued. Some policies may also include coverage for advertising injuries like libel or copyright infringement. We’ll help you customize your policy based on your business type, so you’re covered where it matters most.