Your concierge insurance agency in Hawaii & Oregon
Protecting your assets with aloha.
General Liability
Provides coverage for third-party claims related to bodily injury, property damage, and advertising injuries. It covers situations where someone is injured on your business premises or if the business activities cause damage to someone else’s property.
Commercial Auto
If your business owns vehicles used for business purposes, such as delivery trucks or service vehicles, commercial auto insurance provides coverage for those vehicles. This includes liability coverage for accidents and physical damage coverage for the vehicles.
Workers Comp
If your business has employees, workers’ compensation insurance is usually required by law. It provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job.
Builders Risk
Builder’s Risk Insurance, aka Course of Construction Insurance, is a form of commercial property insurance which covers a building when it is presently being constructed or heavily remodeled. It can cover just the structure, or also the materials on site waiting to be installed or transported to the job site.
Property
Property insurance covers physical assets such as the business building, inventory, furniture, equipment, and fixtures against risks like fire, theft, vandalism, and natural disasters. It may not be enough to cover just the building; the aftermath of such damage should be covered as well.
Equipment Floater
Your tools and equipment are the backbone of your success as a company. From transported goods and hauled equipment to storage items and even construction tools, it’s important to keep your investments protected. With equipment floater coverage, you can avoid damages sustained in the event of accidents, theft, vandalism, or total loss.
Coverage designed to fit your business
Insurance808 provides comprehensive business insurance coverages tailored for your business in Oregon or Hawaii.
We offer pre-claims assistance, tailored policies, and more to help protect your business from fast-moving risks.
How Insurance808 helps protect you
Commitment Free
Exclusive
Available exclusively from Insurance808!
Simple
The entire process is online, and takes only about 5 minutes
Secure
Affordable
Easy to Share
Easily update proof of insurance and share with anyone, right from your Insurance808 account
Policy Service Center
Our state-of-the-art portal allows businesses to manage insurance policies quickly. Week-long waiting periods and stacks of paperwork are officially obsolete.
Policy Changes
Subcontractor Insurance
Report a Claim
Certificates
Get to know Insurance808
We care about you and your business. You are not just a number at our agency. You are person, with a name we want to remember.
- You will work with the same person on your account. Not someone new, in a new department for your every need.
- We’ve lived on island on Maui for over 14 years. We know the island lifestyle, and we’re here to help you any way we can.
- Owner/Founder Elizabeth, has over 20 years of experience to the insurance industry protecting business in Hawaii and Oregon.
Get insurance
In a few minutes you can submit the information we need to start the quoting process. Our efficient insurance experience will help you get the coverage you need fast.
Frequently Asked Questions
Reviewed and updated by Insurance808 staff.
While certificate holders are allowed to access policy information, and (in most cases) are informed of any changes, only an Additional Insured endorsement makes it so that the insurance actually applies to you. This becomes important when your business is sued for a contractor’s mistakes.
When a contractor has a claim, their insurance carrier may decide to later try to recoup the loss from other responsible parties – that means you. A waiver of subrogation takes away this option.
An umbrella policy extends the limits of the coverages a contractor already has. If a contractor has $1M General Liability and $3M Umbrella Liability, they can only use the Umbrella policy on General Liability claims that surpass the initial $1M limit.
Many don’t realize that what Cyber really covers is data. If a contractor’s computer is hacked, it would cover the data lost in the cyber attack – but it would also cover them if a file with client information was stolen from their car. What it doesn’t cover, are things like damaged electronics or lost revenue from a bug in a freelance developer’s code.
This is not an easy answer. Different insurance companies will have different formulas on determining your insurance premium; one of which can be claim frequency and severity. It is our recommendation to discuss your specific claim with our claims manager to see if turning in a claim makes sense. However, all possible liability claims need to be turned in; as the insurance company needs to be put on notice.
An adjuster is a representative of the insurance company that helps settle a claim. They are not employed by us. We do not settle claims as this is done by the adjuster. However, we will assist in making sure a covered claim is paid fairly and promptly.
Replacement cost is the amount it costs to rebuild a home or structure. This amount can also include demolition. This value can be significantly different than an appraisal. Reason being, the cost of materials to rebuild can outweigh a home or structure’s market value. When insuring a home or structure the insurance company needs to know the replacement cost. There are tools that our agents use to help approximate this value.
All payments should be directed to the insurance company unless specifically stated by your representative. Please see our “billing” section if you wish to pay by phone or have a question on your billing account.
Don’t see your question? Contact us.
