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with Hawaii’s best contractors' insurance programs –




Contractors Insurance

Stop overpaying for coverage in the Aloha State!
Just a few minutes can save you up to 65% or more with Hawaii’s best contractors’ insurance programs –

Coverage for Hawaii Contractors

With unmatched access to a national network of construction insurers, our Hawaii Contractors' Insurance programs offer cost-effective solutions for protection against direct lawsuits and third-party claims –

What is Hawaii Contractors’ Insurance?

Hawaii Contractors’ Insurance is not just any commercial insurance. It’s a specialized type of coverage designed specifically for the unique needs of builders and tradesmen in Hawaii. It’s your shield against the diverse financial risks that are part and parcel of contracting operations.

Why Do I Need It?

While the construction industry in Hawaii can be lucrative, it’s not without its hazards. From the Big Island to Kauai, contractors of all trades and sizes face constant exposure to risks that could lead to property damage or harm to workers and third parties. In such a challenging environment, contractors’ Insurance serves as a crucial safety net, offering financial protection in the face of unforeseen incidents like lawsuits or claims.

While it’s true that many risks can be managed through careful planning and execution, not all are avoidable. This is where Contractors’ Insurance steps in. By transferring these risks to a third-party insurer, you are essentially sharing the financial burden of these risks with the insurer, thereby acting as a protective barrier for your business’s financial assets.

Protect Against the Unpredictable

Ensuring compliance and protection is not just a legal requirement, it’s a responsibility. Hawaii contractors, subcontractors, and specialty trades should verify their licensing and insurance requirements through the Department of Commerce and Consumer Affairs (DCCA) before commencing operations to protect their business and the people they work with.

With fiercely competitive rates that fit any Hawaiian builder’s, subcontractor’s, or trade specialist’s budget, our team of licensed professionals is committed to providing reliable service and assistance to Hawaii contractors. We’ll guide you through the process of obtaining affordable Hawaii Contractors’ Insurance, offering customized insurance quotes that align with your specific needs. This ensures you can safeguard your operations effectively, guaranteeing compliance and comprehensive protection for your business.

Our Recommended Products

General Liability

Hawaii contractor general liability is foundational to a robust commercial insurance package.

Hawaii contractors’ general liability insurance protects business owners from injury and property damage claims due to company products, services, or operations.

A Hawaii contractors’ general liability policy — also known as Hawaii contractor business liability insurance — provides essential coverage for:

  • Business Liability
  • Contractual Liability
  • Products-Completed Operations
  • Defense Costs
  • And More

Workers' Comp

Hawaii contractors’ workers’ comp insurance provides wage loss compensation and medical care to employees who suffer work-related injuries.

Hawaii contractors’ workers’ compensation provides for:

  • Medical Benefits
  • Disability Benefits
  • Disfigurement-Payments
  • Death-Payments
  • Vocational Rehabilitation

Employers failing to obtain Hawaii contractor workers’ compensation insurance may be subject to fines and penalties.

Please visit the State of Hawaii Disability Compensation Division to confirm Hawaii contractors’ workers’ compensation rules and regulations.

Surety Bonds

A Hawaii contractor’s surety bond protects consumers, vendors, and other parties conducting business with a licensed contractor.

Hawaii contractor bonds are similar to a business line of credit that guarantees the principal (contractor) will comply with state laws and that all obligations are complete per the terms of the contract.

Various contractors may be required to post a Hawaii contractor surety bond to obtain a license or bid on a project.

Commercial Auto

Hawaii contractors’ commercial auto insurance protects construction companies from financial liability caused by damaged vehicles and injured occupants of an accident or vehicles damaged by vandalism or theft.

A Hawaii contractor business auto policy financially protects company-owned vehicles if an insured driver is liable for an at-fault accident.

Hawaii contractors’ commercial auto insurance provides crucial coverage for:

  • Bodily Injury
  • Property Damage
  • Comprehensive Damage
  • Collision Damage
  • Uninsured & Underinsured Motorist
  • Hired & Non-Owned Vehicles
  • Medical Payments
  • And More

Inland Marine

A Hawaii contractors’ tools and equipment policy — also known as a Hawaii contractors’ inland marine insurance — covers hand tools, equipment, business product, and material at a job site, in transit, or stored offsite.

Hawaii contractors’ tool and equipment insurance protect against a broad range of perils, including:

  • Theft
  • Fire
  • Wind
  • Hail
  • Water Damage

Hawaii contractor inland marine insurance can provide “installation” and “builders risk” coverage.


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