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Required insurance policies for small businesses in Hawaii
State laws can affect which business liability insurance policies you need for your small business. These policies are required in Hawaii.
Workers' compensation insurance
With some exceptions, Hawaii state law requires businesses with one or more employees, full-time or part-time, permanent or temporary, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.
Commercial auto insurance
All business-owned vehicles in Hawaii must be covered by commercial auto insurance. Hawaii requires a minimum of $20,000 bodily injury liability per person, $40,000 bodily injury liability per accident, $10,000 property damage liability per accident, and $10,000 personal injury protection.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.
Recommended insurance policies for small businesses in Hawaii
General liability insurance
This policy is important for all Hawaii businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.
BEST FOR
- Customer injuries at your business
- Damaged customer property
- Libel or slander lawsuits
Professional liability insurance
This policy, also called errors and omissions insurance, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.
BEST FOR
- Work mistakes and oversights
- Professional negligence lawsuits
- Late or incomplete work
Cyber liability insurance
This policy helps Hawaii businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
BEST FOR
- Data breach lawsuits
- Cost of notifying affected customers
- Fraud monitoring services
Business owner’s policy
This policy bundles property insurance and general liability insurance in one plan. It's often the most cost-effective type of commercial insurance for a Hawaii business.
BEST FOR
- Customer injuries
- Damaged customer property
- Damaged business property
Workers’ compensation insurance
Workers’ compensation insurance is required for Hawaii businesses that have one or more employees. It can cover medical costs for work injuries and illnesses.
BEST FOR
- Employee medical expenses
- Partial missed wages
- Lawsuits over employee injuries
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.
BEST FOR
- Accidents involving business-owned vehicles
- Theft of a business-owned vehicle
- Damage to a company vehicle
Looking for different coverage? See more policies.
How much does small business insurance cost?
Commercial insurance can be affordable for a small Hawaii business. Factors that influence the cost include:
- Your industry and risk
- Coverage limits
- Location
- Number of employees
Insureon specializes in Hawaii business insurance
In Hawaii, insurance agents, agencies, 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 field labeled "License Number."
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