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General Liability Insurance Hawaii [2022]

General liability insurance

Regardless of industry, Hawaii businesses face potential liabilities on a daily basis. If an incident occurs at your business or other covered premises where your company normally conducts business, your company (its owners, partners or employees) may face some type of negligence or wrongdoing claim.general liability insurance hawaii .

Hawaii Small Business Insurance

When it comes to insurance companies in Hawaii, small business owners want to know that they are dealing with someone who understands their concerns and provides them with the right help and advice. That’s why at Hiscox, we offer customized policies designed to work the way your business needs to. We’re known for our flexible policies, and our Hawaii business insurance options cover everything that individual businesses need to think about when protecting their employees, customers, or mission. Hiscox coverage may include the following as part of your policy:General Liability Insurance Hawaii.

Business Insurance in Hawaii

Small businesses make up nearly all establishments in the Aloha State and employ approximately 276,000 Hawaii residents.1

Starting and growing a small business takes hard work and a significant amount of time, but an accident or mistake can derail what you’ve built. Small business insurance in Hawaii helps protect your investment by:

Someone accuses your company of causing an injury or damaging property
A customer says that your business’s work is causing financial losses
An employee is injured on the job. General Liability Insurance Hawaii.
Someone has been involved in an accident in a vehicle labeled as your business
Next Insurance offers over 1,000 types of coverage for small businesses and the self-employed to get the coverage they need quickly and at the best prices online. We specialize in small business insurance, so we can easily help you find a custom insurance package that’s right for you.General Liability Insurance Hawaii.

Continue reading to learn about the most important types of business insurance in Hawaii or start a free instant quote to review the options for your business.

Considered essential coverage, Island General Liability Insurance is issued to business entities to protect business entities against liability claims for bodily injury and property damage arising from premises, operations, products and finished operations; and personal and advertising injury liability. General Liability Insurance Hawaii.

Hawaii Business Insurance Requirements

State laws may affect the business insurance you need. These policies are required on every island in Hawaii, from Honolulu to Hilo.

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Workmen’s Compensation Insurance
With some exceptions, Hawaii state law requires businesses with one or more employees, whether full-time or part-time, to carry workers’ compensation insurance.

This policy covers the cost of medical treatment for work-related injuries and illnesses. It also provides disability benefits in case the employee recovers and is unable to work.

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Commercial vehicle insurance
All business-owned vehicles in Hawaii must be covered by commercial auto insurance. This policy covers the cost of work vehicle accidents.General Liability Insurance Hawaii.

Hawaii’s minimum requirements for auto liability insurance are:

Bodily injury liability of $20,000 per person
$40,000 liability for an accident bodily injury
$10,000 property damage liability per occurrence
$10,000 personal injury coverage per person
Trucking companies may require additional liability insurance to comply with regulations.

Although it is not required, since personal vehicle policies generally exclude business use, personal vehicles driven for work purposes should be covered by hired and non-owned vehicle insurance (HNOA). This can be included in general liability insurance or a business owner’s policy (BOP).General Liability Insurance Hawaii.

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