Hawaii Insurance: All Your Needs in One Place

Homeowners insurance in Hawaii covers the following:

• Damage to your home, garage, and other outbuildings
• Loss of furniture and other personal property due to damage or theft, both at home and away from home
• Additional living expenses if you rent temporary housing while your home is being repaired
• Bodily injury and property damage that you cause to others through negligence, and for accidents happening in and around your home, as well as away from home, for which you are responsible
• Any injuries occurring in and around your home to persons other than you or your family
• Claims for injuries outside your home that are caused by you, a family member living with you, or by your pet

Most homeowners insurance policies in Hawaii do not cover damage caused by floods, hurricanes, or earthquakes. If your home is at risk for these events, you can probably purchase flood insurance, hurricane insurance, or earthquake insurance. 

A local independent insurance agent can help you find homeowners insurance in Hawaii.

Car insurance in Hawaii covers injuries and property damage for yourself and others when you’re involved in a crash. Hawaii is a “no-fault state.” This means your car insurance covers the bills for your injuries and your passengers’ injuries up to the personal injury protection (PIP) coverage limit in your policy. 

The “no-fault” provision does not apply to property damage. This means that the at-fault driver is responsible for damage to the vehicles and property of others.

Car insurance in Hawaii must include the following types of coverage, at a minimum:

• Personal injury protection (PIP): $10,000 per person personal injury protection for paying medical and rehabilitative costs
• Bodily injury liability coverage: $20,000 per person/$40,000 per accident 
• Property damage liability coverage: $10,000 per occurrence 

Car insurance policies in Hawaii can also include a variety of optional coverage types, including collision and comprehensive coverage, uninsured and underinsured motorist coverages, wage loss coverage, alternative care coverage (including healing methods such as naturopathy, acupuncture, and faith healing), and death benefits.

Contact an independent insurance agent in Hawaii for the coverage you need. 

A typical business insurance package in Hawaii will include the following types of coverage, at a minimum:

• Business property insurance: Covers damage to a building and its contents if damaged by a weather event, fire, theft, vandalism, and other covered perils. 
• Business interruption (loss of use) insurance: Protects your earnings if your business cannot operate because of damage after a fire, hail, wind, equipment breakdown, or another covered event. If you must close your doors temporarily to repair or rebuild your business after a covered event, this coverage pays for rent, employee salaries, lost income, relocation fees, etc.
• General liability insurance: Protects your business from lawsuits related to bodily injury and property damage claims. It pays for medical expenses, legal fees, and financial settlements or judgments. 

These policies can be purchased individually or as part of a specialized package policy designed for your industry. 

Most businesses will need additional coverage for complete protection. Depending on the size of your business and the type of work that you do, you might need: 

• Workers’ compensation insurance
• Commercial vehicle insurance
• Commercial umbrella insurance
• Various forms of additional property or liability protection

If you own a small business, you may qualify for a business owners policy (BOP). BOPs combine property coverage, business interruption coverage, and general liability coverage into one affordable package policy designed for the needs of small- to medium-sized businesses.

Whether you purchase your policies individually or as a package designed for your industry, your business insurance will protect you when your property is damaged or if your business is responsible for harming someone or damaging someone else’s property. 

Contact an independent insurance agent in Hawaii for the coverage you need. 

The purpose of workers’ compensation insurance in Hawaii is to provide wage loss compensation and medical care to employees who suffer a work-related injury or illness. 

Employers in Hawaii must provide certain benefits, via workers’ compensation insurance, regardless of who is at fault for a work-related injury. Because the employer provides benefits through workers’ compensation insurance, workers are prohibited from suing the employer for work-related injuries or illnesses. 

Any employer in Hawaii with one or more full-time, part-time, permanent, or temporary employees is required to provide workers’ compensation insurance coverage for its employees. 

There are some exceptions to this rule. It’s best to work with an independent insurance agent who can help you learn more about how the workers’ compensation laws in Hawaii apply to your business. 

Restaurant insurance in Hawaii typically consists of a group of business insurance policies that respond to unexpected events that can cause a financial loss. You need restaurant coverage to protect your business from things like fire, theft, vandalism, severe weather, worker injuries, accidents on your premises, and more. 

Most restaurants need a customized package of the following types of restaurant insurance in Hawaii:

• Commercial property insurance
• General liability insurance
• Business interruption insurance
• Commercial vehicle insurance 
• Equipment breakdown coverage 
• Contamination and spoilage coverage
• Crime coverage
• Liquor liability insurance
• Workers’ compensation insurance

You may even need other restaurant insurance policies in Hawaii that protect you from a variety of unique risks. It’s a good idea to work with an independent insurance agent in Hawaii to help you find the best restaurant insurance. 

Businesses that own vehicles need commercial vehicle coverage in Hawaii just like individuals need car insurance for their personal vehicles. 

Commercial vehicle insurance in Hawaii covers cars, trucks, and any other vehicles used in business operations. Similar to personal auto insurance, commercial auto insurance provides liability, collision, comprehensive, personal injury, uninsured and underinsured motorist coverage, and more for the business owner. 

The minimum commercial vehicle insurance requirements in Hawaii are as follows: 

• Personal injury protection (PIP): $10,000 per person personal injury protection for paying medical and rehabilitative costs
• Bodily injury liability coverage: $20,000 per person/$40,000 per accident 
• Property damage liability coverage: $10,000 per occurrence 

Each of your business-owned vehicles must have this level of coverage at a minimum. Certain large vehicles, those that carry hazardous materials, and those that participate in interstate commerce may be required to carry higher liability limits. 

Contact an independent insurance agent in Hawaii to learn more about your commercial vehicle insurance options. 

Umbrella insurance in Hawaii offers excess liability coverage that kicks in when the limits of an underlying policy—including home insurance, renters insurance, condominium insurance, boat insurance, or car insurance—have been exhausted. 

Umbrella insurance typically covers the following types of claims for any person that is covered under the primary insurance:

• Personal injury
• Advertising injury
• Property damage liability
• Slander
• Libel
• Defamation of character
• False arrest, detention, or imprisonment
• Malicious prosecution
• Mental anguish

Your umbrella insurance in Hawaii may offer coverage for certain losses that are not covered by the underlying policies, including covering you worldwide.

Renters occupy nearly 40% of homes in Hawaii. When you rent your home, you need protection from events that can damage your personal property. 

Renters insurance in Hawaii is a type of personal insurance policy that covers your personal belongings if they’re damaged or lost after events like fire, theft, or severe weather. It also protects you if someone is injured as a result of your negligence. 

Renters insurance in Hawaii covers your personal property for losses related to the following:

• Fire 
• Smoke
• Lightning
• Vandalism 
• Theft (including personal items stolen from your car, but not the car itself)
• Explosion
• Windstorm and water damage (not floods) 

Renters insurance also provides liability coverage. Liability coverage protects your assets when you, a family member, or a pet injures someone or damages someone else’s property while at your home or somewhere else. 

Talk to a local independent insurance agent to find renters insurance in Hawaii.

Life insurance is a contract with an insurance company. In exchange for payment from you (premiums), the insurance company provides a lump-sum payment (death benefit) in the event of your death to beneficiaries you have chosen. Life insurance in Hawaii is a vital part of your long-term financial plan. 

But you can think of life insurance in Hawaii as more than just a financial investment. The proceeds from a life insurance policy make cash available to support your family almost immediately upon your death. It gives your loved ones time to grieve, helps pay off debts and loans that you leave behind, and provides your remaining family members with financial stability after you are gone. 

There are two major types of life insurance policies available in Hawaii: term life insurance and permanent life insurance. Each offers benefits for different periods of time. 

Contact an independent insurance agent to learn more about how life insurance works in Hawaii.

Searching for the best and most affordable insurance products can be frustrating and confusing. That’s why it pays to have an experienced insurance professional in your corner.

Instead of getting an online quote, find an independent insurance agent in Hawaii now, and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.  

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Contact an agent today for a free, no-obligation consultation.