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Technology Business Insurance in Hawaii

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Recommended insurance policies for technology businesses in Hawaii

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What are the insurance requirements for technology businesses in Hawaii?

State laws can affect which policies you need for your technology business. These policies are required for Hawaii businesses.
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Workers' compensation insurance

Hawaii state law requires technology businesses with one or more employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

Vehicles owned by technology businesses in Hawaii must be covered by commercial auto insurance.

Hawaii’s commercial auto insurance requirements are:

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

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.

How much does business insurance cost for technology professionals?

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Commercial insurance can be affordable for a small Hawaii tech company. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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We specialize in business insurance for Hawaii IT and technology professionals

Our agents are experts in insurance for Hawaii technology businesses. They can help you find policies that fit your company and fulfill state requirements. TechInsurance is licensed by the Hawaii Department of Commerce and Consumer Affairs Insurance Division for property and casualty insurance as InsureOne Insurance Services America, LLC (NPN 18539837). You can verify our licensure with the department by entering our state license, 460749, into the field labeled "license number."

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