Insurance in Hawaii (Big Island)

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.

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.

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.

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 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.

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.