Commercial Insurance in Hawaii.

Hawaii commercial insurance for Oahu, Maui, and Big Island businesses. Workers' comp, GL, commercial auto, and tsunami-aware property coverage in one quote.

From the bustling tourism of Honolulu to the agricultural heartlands of Maui, Hawaii's economy is unlike any other. With unique risks like hurricanes and a complex regulatory landscape, your business needs specialized protection. RISKX is licensed in Hawaii and crafts insurance policies that cover the specific needs of island businesses.

Workers' Compensation Requirements

Workers' compensation is required. Hawaii requires workers' compensation for all employers with one or more employees. The market is competitive, allowing for private insurance carriers. There are very few exceptions to this rule.

Key Industries

• Tourism & Hospitality
• Government & Defense
• Real Estate
• Retail Trade
• Healthcare
• Agriculture

Regulatory Notes

• Workers' comp is mandatory for all employers with 1+ employees.
• Hawaii is a no-fault state, which impacts commercial auto insurance requirements.
• Hurricane and flood insurance are typically excluded from standard commercial property policies and must be purchased separately.
• The Prepaid Health Care Act requires employers to provide health insurance to employees who work more than 20 hours a week.

RISKX — Commercial Insurance Agency | Licensed in All 50 States | (800) 400-8398 | [email protected]