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Small Business Insurance in Hawaii

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Recommended insurance policies for small businesses in Hawaii

These insurance policies defend Hawaii small business owners against common lawsuits and other top risks.

General liability insurance

General liability insurance icon

A commercial general liability policy covers common third-party risks for small businesses in Hawaii, including customer property damage and injuries. Commercial leases often require this coverage.

  • Accidental customer injuries
  • Damaged customer property
  • Slander and other advertising injuries

Errors and omissions insurance

Errors and omissions insurance icon

This policy is also called professional liability insurance. It protects professionals against lawsuits over mistakes, missed deadlines, and oversights.

  • Work errors and oversights
  • Professional negligence lawsuits
  • Late or incomplete work

Professional liability insurance

Professional liability insurance icon

This type of coverage protects Hawaii businesses against lawsuits related to the quality of their professional services or advice. It's sometimes referred to as E&O insurance.

  • Mistakes and oversights
  • Breach of contract
  • Missed deadlines

Business owner’s policy

Business owner’s policy icon

A BOP bundles commercial property insurance and general liability coverage at a discount. It's often the most cost-effective type of business insurance.

  • Customer injuries
  • Damaged customer property
  • Damaged business property

Workers' comp insurance

Workers’ compensation insurance icon

Workers’ compensation insurance is required for small businesses in Hawaii that have one or more employees. It can cover medical costs for work injuries.

  • Employee medical expenses
  • Disability benefits
  • Employee injury lawsuits

Cyber insurance

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This policy protects Hawaii small businesses against financial losses from data breaches and cyberattacks. It’s also called cybersecurity insurance.

  • Data breach investigations
  • Client notification costs
  • Fraud monitoring services

Commercial auto insurance

Commercial auto insurance icon

This policy is required for vehicles owned by Hawaii small businesses. It helps cover the cost of an accident involving your commercial vehicle, including lawsuits from other drivers.

  • Injuries caused by your vehicle
  • Property damage caused by your vehicle
  • Vehicle theft and vandalism

Fidelity bonds

Fidelity bond icon

A fidelity bond reimburses your clients in the event of employee theft. Your clients may ask you to secure a bond before they will work with your business.

  • Illegal electronic funds transfer
  • Forged signatures
  • Theft of cash or property

Commercial umbrella insurance

Umbrella / excess liability insurance icon

An umbrella policy boosts the coverage of your general liability, commercial auto, and employer's liability insurance. It can help your small business comply with requests for higher liability limits.

  • Personal injury lawsuits
  • Auto accident lawsuits
  • Workplace injury lawsuits

Looking for different coverage? Check out our other policies.

What are the insurance requirements for small businesses in Hawaii?

State laws can affect which policies you need for your small business. These insurance products are required in the state of Hawaii.

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Workers' compensation insurance

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

Workers' comp covers medical bills for workplace injuries and illnesses. Most insurance carriers include employer's liability insurance with this coverage, a policy that helps pay for lawsuits related to employee injuries.

Because personal health insurance policies won't cover work-related injuries, sole proprietors sometimes choose to buy this coverage to protect against costly medical bills.

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Commercial auto insurance

Vehicles owned by limited liability companies (LLCs), startups, and other businesses in Hawaii must be covered by commercial auto insurance.

Hawaii law requires auto liability coverage in the amount of:

  • Bodily injury liability per person: $20,000
  • Bodily injury liability per accident: $40,000
  • Property damage liability: $10,000
  • Personal injury protection (PIP): $10,000

Personal, rented, and leased 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.

How much does small business insurance cost in Hawaii?

Small business owner calculating their business insurance costs.

Property and liability insurance coverage can be affordable for small businesses with low risks. Average costs for TechInsurance customers in Hawaii include:

General liability: $29 per month
Professional liability / E&O: $52 per month
Business owner's policy: $57 per month

Factors that influence the cost of business insurance include:

  • Your industry, such as technology, construction, or real estate
  • Business operations
  • Number of employees
  • Coverage limits
  • Claims history

Why Hawaii business owners choose TechInsurance

Gain financial protection

The costs from a lawsuit or data breach can overwhelm a small business. Protect against common risks with the right business insurance coverage.

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Gain financial protection
The costs from a lawsuit or data breach can overwhelm a small business. Protect against common risks with the right business insurance coverage.
Win contracts and new clients
Clients want to know your small business can handle a lawsuit or disruption. Buy a policy and get a certificate of insurance fast with TechInsurance.
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Consult an expert
Our licensed agents know Hawaii insurance and small businesses like yours. Get expert advice about business liability insurance for your unique risks.
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Find insurance policies for your small business in Hawaii

Whether you need coverage to sign a contract, rent an office, or get a license, TechInsurance can help you find the right business liability insurance. Our insurance agents are licensed in Hawaii and can help you find affordable policies from top-rated insurance companies.

Get started today by filling out our easy application. You can chat with an agent about your business insurance needs and get answers to any questions. When you're ready, pay for a policy online and get a certificate of insurance (COI) immediately to show clients that your business is protected.

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