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Hawaii Business Insurance Policies

Hawaii is home to small businesses in a wide variety of industries. What all these companies have in common is that they face business risks every day—risks that can result in everything from worker injuries to lawsuit judgments. Fortunately, in Hawaii, business insurance can protect companies from potentially unbearable financial burdens. biBERK is trusted for small business insurance in Hawaii for several reasons. From some of the most affordable business insurance in Hawaii to outstanding service, business owners know they can count on us to have their back.

Hawaii Workers' Compensation insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. For instance, your employee suffers a broken arm when they trip while walking down a flight of stairs. Their medical bills and other costs related to the injury can be covered.

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Hawaii Professional Liability insurance

Also known as errors and omissions (E&O) insurance, this policy could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. For example, if you’re a financial planner and you accidentally advise your client to move money into the wrong investment, you might be sued, but your professional liability policy can protect you. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

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Hawaii Cyber insurance

This type of business insurance in Hawaii can be purchased as an add-on to a professional liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur. Unfortunately, hackers get more sophisticated each day. But if they get access to customer credit card information, for example, this policy can help cover costs like those related to notifying customers and providing monitoring service.

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We Cover all Kinds of Professionals and Businesses in Hawaii, Including:

  • Advertising firms and marketing agencies
  • Air conditioning and heating companies
  • Appliance repair companies
  • Automotive repair providers
  • Banks
  • Barber shops and beauty salons
  • Bookkeepers and accountants
  • Building services companies
  • Car rental companies
  • Concrete construction companies
  • Consultants
  • Contractors
  • Couriers and messengers
  • Custodial and janitorial services
  • Doctor and osteopath offices
  • Electrical contractors
  • Financial analysts
  • Fitness facilities
  • Fruit and vegetable markets
  • Gardeners and landscapers
  • Insurance companies
  • Interior and exterior painters
  • Legal services and attorneys
  • Marble and stone installers
  • Masons
  • Media and public relations firms
  • Paperhangers
  • Personal service providers
  • Photography companies
  • Plumbers
  • Professional carpenters
  • Programmers
  • Real estate companies
  • Recreation companies
  • Religious organizations
  • Restaurants
  • Retail and other stores
  • Sales teams
  • Securities and commodities traders
  • Software companies
  • Trucking companies
  • Tutors

Why biBERK for Business Insurance Services in Hawaii?

We’re the experts when it comes to small business.

Save time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Why is biBERK Better for Hawaii Small Business Insurance?

Whether it’s a workers’ compensation insurance policy or other small business insurance, we’re often less expensive and more convenient to do business with than other insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services and value that can help them grow.

What do biBERK Customers Say?

What Hawaii Business Insurance is Required?

Workers' Compensation

In Hawaii, every business with employees is required to carry workers’ compensation insurance. Even if you only have one employee, you’re still required to carry workers’ comp. You can receive substantial fines and criminal penalties if you’re caught doing business with employees in Hawaii without a workers’ comp policy.

Other Policy Considerations

It’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your company is one of the smartest business decisions you can make.

What Does Hawaii Business Insurance Cost?

The cost of commercial and business insurance in Hawaii depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums.

Learn what you’ll pay by getting instant, online quotes for any policies you need.

Hawaii Small Business Insurance in Three Simple Steps


Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.


Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a Certificate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a Quote Today

Trust biBERK for small business insurance in Hawaii and save up to 20%.