Small businesses in Hawaii most often buy these insurance products.
A commercial general liability policy provides financial protection against common third-party lawsuits. It can fulfill the business liability insurance requirements in commercial leases.
Workers’ comp insurance is required for Hawaii businesses that have employees, full-time or part-time. It also protects sole proprietors from work injury costs that health insurance might deny.
This policy is required for business-owned vehicles in Hawaii. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for a small Hawaii business.
This policy, also called errors and omissions insurance (E&O), is important for Hawaii businesses that provide professional services or expert advice. It covers lawsuits related to work quality.
E&O, sometimes called professional liability insurance, is common with professional services in Hawaii. It can cover the cost of lawsuits related to your work performance.
This policy covers financial losses caused by data breaches and cyberattacks. It's important for Hawaii businesses that handle sensitive data, such as credit cards or Social Security numbers.
Umbrella insurance boosts coverage on your general liability insurance, commercial auto insurance, and employer's liability insurance when the underlying policy reaches its limit.
This policy covers the value of a business's physical structure and its contents, such as inventory, equipment, and furniture. Bundle it with general liability coverage in a BOP for savings.
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State laws can affect which business insurance coverage you need. From Honolulu to Hilo, these policies are required on every island in Hawaii.
This policy covers the cost of medical treatment for work-related injuries and illnesses. It also provides disability benefits while the employee is recovering and unable to work.
Hawaii's minimum requirements for auto liability insurance are:
Trucking companies may need additional liability insurance coverage to comply with regulations.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy (BOP).
Hawaii's data breach laws require businesses to report security breaches to affected residents, and the costs can escalate quickly. Cyber liability insurance lessens the financial impact by paying for notification costs, legal fees, and fines.
Yes, your state may have special requirements for business insurance and bonds for your industry. You may also need a license depending on your type of business.
Note that cities and counties may have their own laws, in addition to state laws.
As with any purchase, shopping around is one of the best ways to find an affordable option. With Insureon, you can compare quotes from top-rated insurance carriers by filling out a free online application.
Other ways to save include bundling policies for a discount, and choosing less expensive policy options, such as lower limits or a higher deductible. Learn more about how to find cheap business insurance.