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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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Business Insurance
Can I Use My Personal Vehicle for my Small Business in Hawaiʻi?
Disclaimer: This article is intended for general informational purposes only and does not constitute insurance, legal, or financial advice. Coverage
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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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Claims Resources
Why Was My Insurance Claim Denied? Unpacking Common Insurance Claim Rejections
Nobody expects their insurance claim to be denied. Understanding why claims get rejected helps you avoid these problems and know your options when denials happen. The Top Reasons Claims Get Rejected Your Policy Doesn't Cover It: Every insurance policy specifies what it covers an
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Business Insurance
Hawaiʻi Employer’s Guide to Navigating Workers’ Compensation Claims
Misclassifying employees as independent contractors can result in expensive legal and financial penalties, especially when workplace injuries occur without proper Workers' Compensation insurance. Hawaiʻi's culture of helping friends and family can create unexpected workplace is
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Business Insurance
Inland Marine Insurance: Essential Protection for Hawaiʻi's Mobile Business Assets
The term "inland marine" insurance can be misleading. Despite the name, it covers business equipment on land, not water. The terminology originates from historical shipping practices. Merchants once relied on marine insurance to protect cargo during sea transport. As railroads e
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Business Insurance
Essential Insurance Policies Every Hawaiʻi Business Owner Should Consider
Starting a business in Hawaiʻi is challenging enough, and navigating the complexities of insurance coverage can feel even more daunting. Hastily selecting your commercial insurance may result in significant coverage gaps that may leave your business vulnerable. Business owners i
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