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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 custom
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From coverage basics to storm season prep, practical insurance resources written with Hawaiʻi in mind.
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Community Corner
For Our Neighbors: Island Insurance’s Part in the Maui Wildfire Settlement
Nearly three years after the August 2023 Maui wildfires destroyed most of Lahaina, a $4 billion settlement is now moving toward its first payments, ex
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Business Income Coverage: What Hawaiʻi Business Owners Should Know
Disclaimer: This article is for general informational purposes only and does not constitute insurance advice, a coverage determination, or a guarante
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Personal Insurance
The Real Cost of Being Underinsured in Hawaiʻi’s Construction Market
Disclaimer: This article is intended for general informational purposes only and does not constitute legal, financial, or insurance advice. Coverage
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Business Insurance
Top Insurance Mistakes Hawai'i Business Owners Make (And How to Avoid Them)
A Hilo man built his auto repair shop from nothing to profitability through ten years of hard work, cultivating a base of loyal customers and achieving steady growth. He carried business insurance and thought he had everything protected. Then in 2018, Hurricane Lane brought floo
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Business Insurance
Protecting Your Business Property: A Guide to Commercial Property Insurance for Hawai'i Business Owners
A local business owner thought she had her Kalihi bakery covered. Full business insurance, paid monthly, never missed a premium. Then an electrical power surge at 2 a.m. short circuited her commercial oven and walk-in cooler, spoiling all the pre-sold cakes and other perishable
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Business Insurance
Commercial Umbrella Insurance: When Basic Coverage Isn’t Enough
Imagine a customer slips at your Hawai'i business and suffers a serious injury requiring surgery and months of recovery. She sues, and the court awards her $1.8 million. If your general liability policy has a $1 million limit, where does the additional $800,000 come from?A comme
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Claims Resources
Filing a Property Damage Claim in Hawai'i: Tips for Success
Property damage hits Hawai'i residents every year in countless ways: strong winds damage roofs, flash floods inundate garages, aging pipes burst and flood apartments, or trees crash through windows during storms. Filing your claim properly and knowing your coverage limits saves
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