Business Coverage in Hawaii

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Let’s find the coverage you need for your business
Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.
General Liability insurance
General Liability
Accidentally damaged customer property? General liability insurance makes those uh-oh moments okay by covering a wide range of incidents and basic risks. Contractors and cleaners can add tools and equipment coverage to protect their gear, as well.
Professional Liability or Error and Omissions Insurance
Professional Liability/E&O
If you’re accused of making an error at work, we’ve got your back. Get professional liability insurance (also known as errors & omissions insurance) and you’ll be protected from certain types of lawsuits and claims.
Workers' Compensation Insurance
Workers’ Compensation
If you have employees, workers’ comp is mandatory in almost every state to help cover medical bills and lost wages if a workplace accident occurs. And don’t forget about the boss — add business owner’s coverage to protect yourself as well.
Tools & Equipment Insurance
Tools & Equipment
Add a tools and equipment upgrade to your general liability insurance. If your gear ever gets damaged or stolen, we’ll be there to abracadabra them back in a flash.
Commercial Property Insurance
Commercial Property
Commercial property insurance isn’t just for buildings — it can protect almost all the gear, inventory and equipment you need to do business.
Business Owner’s Policy Insurance
Business Owner’s Policy
A business owner’s policy (BOP) combines general liability and commercial property into one handy package. It’s a great option for protecting your business if you have a physical location, equipment or inventory and if you deal with customers or the public.
Umbrella/Excess Liability Insurance
Commercial Umbrella
Protect your business from catastrophic events and costly damages. Commercial Umbrella insurance provides up to $4 million in coverage, exceeding general liability limits for added financial protection.
liquor liability
Liquor Liability
Liquor Liability insurance protects businesses from losses due to intoxicated guests. It covers legal costs, settlements, property damage, and medical expenses.
Product Liability Insurance
Product Liability
Protect your business from product-related lawsuits. Product liability coverage included in general liability insurance safeguards against customer injury or property damage claims.
employment practices liability insurance
Employment Practices Liability (EPLI)
Employment practices liability insurance (EPLI) can help cover costs if your business is sued by a customer or an employee for sexual harassment, discrimination or wrongful termination.
cyber security liability
Cyber Insurance
Protect your business from cyber threats. Cyber insurance offers coverage for data breaches, cyber attacks, and financial losses due to fraud. Stay secure and prepared.

Professions we support in Hawaii

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General Contractor

Construction insurance

Handyman

carpenter using a saw about to cut a piece of wood

Carpenter

Retail business insurance

Retail Store

restaurant owner receiving orders at the counter in front of a menu

Restaurant

caterer standing in front of pots and pans

Catering

daycare inline

Daycare

What we cover
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© 2024 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

** Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.