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Personal Insurance
Flood, Hurricane, and Earthquake Insurance in Hawai'i: Are You Covered?
Standard homeowners insurance policies in Hawai'i do not cover flood, hurricane (74+ mph winds), or earthquake damage. Learn more about these coverages and questions to ask your independent insurance agent.
Insurance Articles & Resources
Personal Insurance
Essentials of Your Hawaiʻi Homeowners Insurance Policy
Understanding your homeowners insurance policy is an important first step in protecting your home and your belongings. It may feel like a lot of fine print, but it has four key sections worth knowing. The declarations page is your quick summary. It lists your policy number, polic
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Claims Resources
After the Storm: Being Aware of Common Contractor Scams in Hawai′i
After a hurricane, flood, or other disaster, scammers move fast. It is important to be careful about who you allow to inspect your property or file claims on your behalf. Overly aggressive or fraudulent contractors, sometimes known as “storm chasers,” travel to disaster-affected
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Business Insurance
Workers' Compensation Injury Trends: What Hawaiʻi Businesses Should Know
Disclaimer: The information in this article is intended for general informational purposes only and does not constitute legal, safety, or professional advice. Island Insurance makes no guarantees regarding specific outcomes, including the prevention of workplace injuries or chang
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Business Insurance
Risk Control Services: A Practical Guide for Hawaiʻi Business Owners
Many business owners in Hawaiʻi don't carve time out of their weekly schedule to identify risks in their operations. Unfortunately, unexpected accidents and losses can disrupt operations and affect your bottom line. Although unexpected, these incidents could be preventable, if y
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Business Insurance
Business Insurance in Hawaiʻi: Understanding Exclusions in Your Insurance Policy
Insurance policies aren't designed with exclusions to leave business owners under protected, but a power outage that wipes out your perishable inventory, a storm that forces you to close, or a customer’s credit card information that is stolen when your point of sale system is co
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Personal Insurance
Insurance Agencies and Carriers in Hawaiʻi: What's The Difference?
Most people don't think about insurance until something goes wrong. A fender bender on H-1, a burst pipe, a roof claim after a storm. In those moments, you're probably not thinking about policy numbers. You're thinking: is someone going to help me? The answer often depends on tw
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Business Insurance
Premium Audits Explained: A Guide for Hawaiʻi Businesses
Disclaimer: This article provides general educational information only and should not be considered professional advice or a recommendation for specific coverage. All scenarios, characters, and dollar amounts are fictitious and do not represent any actual individuals, events, or
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