Hawaii General Liability Insurance Policy Information

Hawaii General Liability Insurance. HI general liability insurance protects your business against property damage, advertising injury claims, personal injury claims, and bodily injury claims. Such claims could jeopardize the success and reputation of your business.

As a business owner or small contractor, you require a form of general liability protection, to shield you from such unexpected situations. A single accident might lead into a lawsuit that is beyond your financial abilities. When that happens, you will be staring at losing your source of livelihood. That is where general liability insurance comes in.

Hawaii general liability insurance pays for cost of third-party lawsuits over slip-and-fall injuries, property damage and more. Get a fast and affordable quote in HI.

What Does General Liability Insurance Cover?

Businesses are inherently risky. The good news is that some of the risks can be protected. General business liability insurance helps to safeguard your business against various known and unknown risks. Some of the areas in your business that are covered by Hawaii general liability insurance include:

Property damage and bodily injury: The property damage and bodily injury helps to protect your business against various business claims as well as claims alleging financial loss as a result of bodily injury or property damage, occurring out of your products or business operations. Slip an fall is covered here.
Advertising errors: This protects your HI business from certain claims where others claim that your business has infringed on certain copyrights when advertising your goods, services or products.
Reputational harm: The reputational harm protects your business against claims of malicious prosecution, false arrest, slander, libel, wrongful eviction and violation of privacy rights, just to name a few.
Damage to rented premises: This helps to protect your company from certain claims that might occur during your business operations. This may be occasioned by lightning, fire or explosion.
Medical payments: Hawaii general liability insurance will protect your business against medical claims brought forward, when someone gets injured in your business premises and requires medical treatment.
Some clients might also need you to agree to a certain level of general liability before you can provide goods or services to them. With HI general liability insurance, such issues are adequately handled.
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HI General Liability Insurance Cost

The cost of your Hawaii general liability insurance coverage is determined by various factors. They include the business type, location of your business, the total number of employees in your business, as well as the risk level your business is exposed to. For example a roofer working on a roof faces much higher risks than an accountant sitting in an office behind a desk.

In our litigious society, more and more businesses are being sued due to issues like libel, slander, property damage, and bodily injury, just to name a few. Apart from that, businesses can be sued even when they have not done anything wrong. That is why your business requires general liability insurance protection.

HI General Liability Insurance By Industry

Small Business

Protect your company and employees with HI commercial insurance. Read informative articles on Hawaii small business insurance coverages - and how they can help shield your company from legal liabilities.

Construction Contractors

Learn about Hawaii construction contractors insurance, including how much the premium costs and what is covered - and how commercial insurance can help protect your HI construction business from lawsuits.

Contractors and Home Improvement

Learn about Hawaii contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your HI business from lawsuits.

Commercial Property

Read up on Hawaii commercial property insurance, including how business property insurance protects your company's building's and/or their contents from damage, destruction, theft and vandalism.

Warehouse and Storage

Learn about Hawaii warehouse and storage insurance - which protects storage and warehouse facilities and protects their inventory from property damage from fire and weather, vandalism and theft and liability coverage as well.

Professional Services

Get informed about Hawaii professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss.

Advertising, Marketing and Media

Learn about Hawaii media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.

Graphic Designers

Real Estate

Learn about Hawaii real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.

Retail

Read valuable Hawaii retail insurance policy information. In a retail business, you need to have the right type of commercial insurance coverage so that your store, employees, and inventory are protected.

Auto Sales, Service and Repair

Read about Hawaii auto sales, service & repair insurance, which provides protection for damages done to customers vehicle's and other property as well as injuries resulting from the work done.

Health and Beauty

Learn about Hawaii health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.

Information Technology and Internet

Learn about Hawaii IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.

Food and Drink

Learn about Hawaii restaurants, bars, liquor stores commercial insurance coverages. See how food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.

Medical and Dental

Discover Hawaii business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.

Manufacturing

Learn all about Hawaii manufacturing insurance. Manufacturers face many unique risks such as product libility and/or product recall exposures due to the nature of their business operations.

Wholesale and Distribution

Read informative articles on Hawaii wholesale distribution insurance. Distributors and wholesalers face specific risks including fire, flood and weather damage that can destroy products in the distribution center - and every part of the supply chain including late supplier shipments to unpaid invoices - can effect the entire operation.

Education, Colleges, Universities & Schools

Learn about Hawaii commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.

Sports and Fitness

Learn about Hawaii sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.

Children and Pets

Discover what Hawaii commercial insurance policies cover for children and pet related businesses.

Miscellaneous

Find informative articles on miscellaneous HI businesses including the types of commercial insurance they need, costs and other considerations.

Non-Profit

Find useful articles on business insurance for Hawaii non-profit 501(c)(3) organizations, charities and associations.

Arts and Recreation

Read up on Hawaii arts and recreation commercial insurance.

Agribusiness

Learn about HI agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.

Bonds

Learn about surety and fidelity bonds which are types of insurance that are used to protect against damage or loss in commercial transactions.

Commercial Auto

Learn about Hawaii commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.

Hawaii General Liability Insurance Information

HI Commercial Insurance Articles

Read informative articles on Hawaii commercial insurance including costs and coverages.

Hawaii Economic Data, Regulations And Limits On Commercial Insurance

Location is one of the most vital factors that prospective business owners need to take into consideration when they are thinking about establishing an operation. You can have the best possible products and offer the most exceptional services, but if the location doesn't offer a market that can benefit from those goods and services, your business will have difficulty thriving.

As such, if you are an entrepreneur who has set your sights on Hawaii for the headquarters of your business or a new division of an already existing corporation, it's a good idea to familiarize yourself with the state's economic data. It's also important to understand what type of commercial insurance you will need to invest in to protect yourself, your employees, your vendors, and the clients you serve.

Below, we provide a brief overview of important economic data and the commercial insurance requirements for business owners in the Aloha State.

Economic Trends For Business Owners In Hawaii

A state's unemployment rate is a good indicator of the overall economy of the region. It indicates that there are enough jobs available to support the economy, which is a direct reflection of the success of businesses in the state. As of 2019, the Bureau of Labor Statistics indicated that the unemployment rate in Hawaii was 2.6%, 0.8% lower than the national average of 3.4% from the same timeframe. This rate has also decreased throughout 2019, as it was 2.8% in July of 2019.

As with most states, the best locations to start a business in the state of Hawaii include urban areas and the suburban regions that surround them. The top cities for business owners in HI include:

Hilo
Kahului
Waipahu
Pearl City
Kaneohe

While several industries do well in Hawaii, certain sectors thrive. Tourism has long been the leading industry in the state, as people from around the globe flock to Hawaii each year.

Agriculture is also a booming industry here; the state is the second largest producer of sugar can in the U.S. Defense is also a key sector here, as all branches off the armed forces have bases located in the state. Another industry that also thrives here is manufacturing; specifically the manufacturing of cotton-based goods, such as clothing.

Commercial Insurance Requirements In Hawaii

The Hawaii Department of Commerce and Consumer Affairs regulates insurance in HI. Hawaii mandates very few forms of insurance coverage by law. They enforce worker's compensation.

Hawaii requires you to have worker's compensation insurance if you hire even one employee on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.

Hawaii also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.

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Also find Hawaii insurance agents & brokers and learn about Hawaii small business insurance requirements for general liability, business property, commercial auto & workers compensation including HI business insurance costs. Call us (808) 300-0578.

Hawaii General Liability Insurance