Industries

Insurance shaped to the work you do

Every industry has its own mix of risks and requirements. Find yours below to see what we usually look at first. Coverage marked in coral is required once you have employees.

Contractors & Trades

General contractors, electricians, plumbers, landscapers and specialty trades, including crews working across islands.

Common risks

  • Damage to a client's property
  • Stolen or damaged tools and equipment
  • Injuries on the job site
  • Contract and permit bonding requirements

Coverage to consider

  • Workers' Comp
  • TDI
  • General Liability
  • Commercial Auto
  • Contractor's Bond
  • Inland Marine
  • Builder's Risk

Rental Property

Owners of commercial buildings, multi-unit residential and vacation rentals.

Common risks

  • Tenant and guest injuries
  • Hurricane and flood damage
  • Lost rent after a covered loss

Coverage to consider

  • Landlord Property
  • General Liability
  • Loss of Rents
  • Hurricane / Flood Review
  • Umbrella

Retail & Shops

Boutiques, convenience stores, galleries and online sellers with a storefront.

Common risks

  • Customer slips and falls
  • Theft and inventory loss
  • Storm damage and closures
  • Card data breaches

Coverage to consider

  • General Liability
  • Commercial Property
  • Business Interruption
  • Crime / Employee Theft
  • Cyber Liability

Tours & Activities

Snorkel and boat tours, surf schools, hiking guides, ziplines and event companies.

Common risks

  • Guest injuries during activities
  • Vehicle and passenger liability
  • Vessel damage
  • Cancellations from weather

Coverage to consider

  • General Liability
  • Commercial Auto
  • Watercraft / Marine
  • Participant Accident
  • Umbrella

Professional Offices

Consultants, agencies, accountants, real estate offices, clinics and other office-based businesses.

Common risks

  • Client claims over advice or errors
  • Email fraud and data breaches
  • Office damage and equipment loss

Coverage to consider

  • Professional Liability (E&O)
  • Cyber Liability
  • General Liability
  • Business Owner's Policy
  • EPLI

Restaurants & Food

Restaurants, cafes, food trucks and caterers juggle kitchen fires, slips, spoiled inventory and liquor laws all at once.

Common risks

  • Kitchen fires and equipment failures
  • Spoiled food after a power outage
  • Customer injuries and foodborne illness claims
  • Alcohol-related incidents

Coverage to consider

  • Workers' Comp
  • TDI
  • General Liability
  • Liquor Liability
  • Food Spoilage
  • Equipment Breakdown
  • Commercial Property

Don't see your industry?

We work with most small and mid-size Hawaii businesses. Tell us what you do.

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