Business Insurance in Hawaii

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Get small business insurance for your Hawaii business

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Learn about Hawaii's insurance requirements

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Recommended insurance policies for small businesses in Hawaii

General liability insurance icon

General liability insurance

A commercial general liability policy provides financial protection against common third-party lawsuits. It can fulfill the business liability insurance requirements in commercial leases.

  • Customer bodily injuries
  • Damaged customer property
  • Libel and other advertising injuries
Professional liability insurance icon

Professional liability insurance

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.

  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
Cyber liability insurance icon

Cyber liability insurance

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.

  • Data breach lawsuits
  • Cost of notifying affected customers
  • Fraud monitoring services
Business owner’s policy icon

Business owner’s policy

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.

  • Customer injuries
  • Damaged customer property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

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.

  • Employee medical expenses
  • Disability benefits
  • Legal fees from employee injuries
Commercial auto insurance icon

Commercial auto insurance

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.

  • Accidents involving business vehicles
  • Theft of a business vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

Hawaii business insurance requirements

State laws can affect which business insurance coverage you need. From Honolulu to Hilo, these policies are required on every island in Hawaii.

Blue check mark

Workers' compensation insurance

With some exceptions, Hawaii state law requires businesses with one or more employees, full-time or part-time, to carry workers’ compensation insurance.

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.

Blue check mark

Commercial auto insurance

All business-owned vehicles in Hawaii must be covered by commercial auto insurance. This policy covers the cost of work vehicle accidents.

Hawaii's minimum requirements for auto liability insurance are:

  • $20,000 per person bodily injury liability
  • $40,000 per accident bodily injury liability
  • $10,000 per occurrence property damage liability
  • $10,000 per person personal injury protection

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).

How much does small business insurance cost?

Business woman calculating costs of insurance.

Commercial insurance can be affordable for Hawaii small business owners. Factors that influence the cost include:

  • Type of business and its risks
  • Business operations
  • Number of employees
  • Types of insurance purchased
  • Policy limits and other coverage options
View Small Business Insurance Costs
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Find the right policies and get your certificate of insurance

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.

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