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Claims Resources
Filing a Property Damage Claim in Hawai'i: Tips for Success
Property damage hits Hawai'i residents every year in countless ways: strong winds damage roofs, flash floods inundate garages, aging pipes burst and flood apartments, or trees crash through windows du
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Business Insurance
Commercial Umbrella Insurance: When Basic Coverage Isn’t Enough
What Is Commercial Umbrella Insurance?Imagine a customer slips at your Hawai'i business and suffers
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Community Corner
Simple Steps for a Safer Thanksgiving
Thanksgiving in Hawaiʻi brings families and friends together for celebrations filled with food, gratitude, and local traditions. Whether you're hostin
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Tools & Resources
The Real Cost of Insurance Fraud: What Hawaiʻi Residents Should Know
Insurance fraud happens when someone intentionally lies or hides facts to get insurance coverage or money they do not deserve [1]. Many people think f
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Claims Resources
Your Complete Guide to Handling a Car Accident in Hawaiʻi: From Scene to Claim
Car accidents happen when you least expect them: during your daily commute, while running errands, or on an otherwise ordinary day. One moment you'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 condo
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Business Insurance
Top Insurance Mistakes Hawai'i Business Owners Make (And How to Avoid Them)
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
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Business Insurance
Protecting Your Business Property: A Guide to Commercial Property Insurance for Hawai'i Business Owners
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
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Business Insurance
Commercial Umbrella Insurance: When Basic Coverage Isn’t Enough
What Is Commercial Umbrella Insurance?Imagine a customer slips at your Hawai'i business and suffers a serious injury requiring surgery and months of recovery. She sues, and the court awards her $1.8 million. If your general liability policy has a $1 million limit, where does the
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