A commercial general liability policy provides financial protection against common third-party lawsuits. It can fulfill the business liability insurance requirements in commercial leases.
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.
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.
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.
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.
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.
All business-owned vehicles in Hawaii must be covered by commercial auto insurance. This policy covers the cost of work vehicle accidents.
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).
Insureon's licensed agents can help you find policies that fulfill Hawaii's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.
In Hawaii, insurance agencies, agents, and brokers are licensed by the Hawaii Department of Commerce and Consumer Affairs Insurance Division. Insureon is licensed in Hawaii for property and casualty insurance as Insureone Insurance Services America, LLC (NPN 18539837). You can verify our licensure with the Hawaii Department of Commerce and Consumer Affairs by entering our state license, 460749, into the license number field.