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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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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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Personal Insurance
Optional Auto Coverages That Offer Extra Protection in Hawai'i
Hawai'i law requires all vehicle owners to carry minimum auto insurance coverage [1]. These mandated coverages address basic needs, but they have limits. Optional coverages fill the gaps. For more information about Hawai'i's required auto insurance minimums, see our article.This
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Personal Insurance
Hawai'i’s Personal Injury Protection (PIP) Benefits Explained
Hawai'i law mandates that all drivers carry Personal Injury Protection (PIP) coverage. If you drive without proper insurance identification in your car, you'll face tickets and fines under state law [1]. Under Hawaii Revised Statutes Section 431:10C-103.5, every motor vehicle in
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Personal Insurance
Flood, Hurricane, and Earthquake Insurance in Hawai'i: Are You Covered?
Owning a home in Hawai'i means living with natural hazards. Floods in Hilo, hurricanes on O‘ahu, and earthquakes on Hawai'i Island remind us that disasters can strike at any time and at any place in the state. Standard homeowners insurance does not cover these events, so many re
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Personal Insurance
Condo Insurance Made Simple: What Every Hawai'i Owner Should Know
A Honolulu condo owner spent $15,000 renovating her kitchen. When a pipe burst in the unit above and destroyed everything, she assumed her AOAO's insurance would cover it. It didn't. The master policy only covered the building structure, and she had never purchased personal cond
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