Accountants and auditors
Advertising agencies
App developers
Architects
Carpenters
Computer repair and installation
Day spas
Dentists
Electricians
Engineers
Flooring installation
General contractors
Hair and beauty salons
House cleaning
IT consultants
Janitorial services
Landscape design
Lawn care
Lawyers
Life and health insurance agents
Management consultants
Nurses
Painters
Personal trainers
Photographers
Real estate agents and brokers
Restaurants
Software developers
Tax preparers
Web developersCompare Hawaii business insurance quotes
Save money by comparing quotes from top insurance carriers.
What kind of work do you do?
Business Insurance in Hawaii
Compare multiple quotes from top carriers with one application.
What kind of work do you do?
We partner with trusted A-rated insurance companies
Get small business insurance for your Hawaii business
Learn about Hawaii's insurance requirements
Complete one free online application
Compare multiple quotes and choose the best coverage
Recommended insurance policies for small businesses in Hawaii
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.
BEST FOR
- Customer bodily injuries
- Damaged customer property
- Libel and other advertising injuries
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.
BEST FOR
- Work mistakes and oversights
- Professional negligence lawsuits
- Late or incomplete work
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.
BEST FOR
- Data breach lawsuits
- Cost of notifying affected customers
- Fraud monitoring services
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.
BEST FOR
- Customer injuries
- Damaged customer property
- Damaged business property
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.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal fees from 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 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.
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.
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?
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
What our customers are saying
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.