Business Insurance

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 iss ...

What Is Inland Marine Insurance? 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 duri ...

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 in ...

A Hilo man built his auto repair shop from nothing to profitability through ten years of hard work, cultivating a base of loyal customers and achieving steady growth. He carried business insurance and thought he had everything protected. Then in 2018, Hurricane Lane brought flood ...

A local business owner thought she had her Kalihi bakery covered. Full business insurance, paid monthly, never missed a premium. Then an electrical power surge at 2 a.m. short circuited her commercial oven and walk-in cooler, spoiling all the pre-sold cakes and other perishable i ...