Business Insurance in Hawaii

Hawaii requires workers' comp AND TDI for all employers (1+ employees). DCCA CLB license required for all contractors. Island supply chain inflates costs. Rates ~25% above national average. Get a free 10-minute quote.

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Insurance Requirements in Hawaii

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Workers Comp

Required for 1+ employees

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Typical GL Carried

$300,000 per occurrence (market standard — not a state law)

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Key Requirement

Workers comp and TDI (Temporary Disability Insurance) required

Hawaii-Specific Requirements

✓Workers comp and TDI (Temporary Disability Insurance) required
✓Contractor licensing through DCCA

Insurance by Industry in Hawaii

Every industry has unique risk factors in Hawaii. Find your industry below.

🏗️General Contractor 🍽️Restaurant 🧹Cleaning Services 🌿Landscaping & Lawn Care ⚡Electrical Contractor 🔧Plumbing Contractor ❄️HVAC Contractor 🏠Roofing Contractor 🛠️Handyman Services

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Business Insurance in Nearby States

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Popular Industries in Hawaii

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Business Insurance FAQs — Hawaii

Is workers' compensation required in Hawaii?+

Yes — Hawaii requires workers' compensation for every employer with one or more employees, administered by the Hawaii Department of Labor and Industrial Relations (DLIR). Hawaii is unique in also requiring Temporary Disability Insurance (TDI) — a separate state-mandated benefit covering off-the-job disabilities and illnesses. Both WC and TDI are required from the moment you hire your first employee. Hawaii operates a competitive private insurance market for both programs. Non-compliance results in significant fines and personal liability. Hawaii is one of the most comprehensive states in the country for mandatory employee protections.

What is the minimum general liability limit in Hawaii?+

Most Hawaii businesses carry at least $500,000–$1,000,000 in GL coverage per occurrence — reflecting Hawaii's high cost of living and active commercial market. Honolulu commercial leases and government contracts typically require $1M per occurrence. Hawaii state and county government contracts typically specify $1M per occurrence. DCCA CLB-licensed contractors must carry GL as a condition of licensure. Resort and hotel vendor contracts routinely require $1M–$5M+ in aggregate coverage. For Hawaii businesses, $1M GL is the practical minimum. NEXT Insurance policies start at the $1M level.

How much does business insurance cost in Hawaii?+

Hawaii business insurance costs run approximately 25% above the national average — one of the most expensive states in the country for business insurance. Most Hawaii small businesses pay $65–$625/month for general liability. Honolulu (Oahu) businesses pay the highest rates; Maui, Kauai, and the Big Island run somewhat lower. Workers' comp AND TDI are both mandatory (1+ employees). Hawaii's remote island location inflates all insurance costs. Get a free quote to see your exact rate.

What does Hawaii's DCCA Contractors License Board require?+

Workers comp and TDI (Temporary Disability Insurance) required

What are the Honolulu and Maui insurance requirements for Hawaii businesses?+

The Hawaii Department of Commerce and Consumer Affairs (DCCA) Contractors License Board (CLB) requires a license for any construction, alteration, improvement, or repair work valued at $1,000 or more. CLB licensure requires proof of general liability insurance and workers' comp. Electrical, plumbing, boiler/elevator, and specialty trade contractors require separate DCCA specialty licenses. Each county (Honolulu, Maui, Hawaii, Kauai) has its own permitting process. Operating without a valid CLB license is a misdemeanor in Hawaii. Verify requirements at pvl.ehawaii.gov.

Can I get proof of insurance instantly in Hawaii?+

Yes. NEXT Insurance provides an instant certificate of insurance (COI) after you buy your policy online — no agent call required. Most Hawaii businesses are covered and have their COI in under 10 minutes. You can share it digitally with clients and general contractors.

About this content: Insurance Pro Agencies is a licensed independent insurance agency headquartered in Chicago, IL, serving clients since 1982. State regulatory information on this page — including workers' compensation thresholds, licensing requirements, and GL standards — was reviewed by the Insurance Pro Agencies editorial team, which includes licensed property and casualty insurance professionals. Regulatory details are verified against primary government sources including state department of insurance websites and workers' compensation commission publications. Laws and requirements are subject to change; verify current requirements with your state's licensing authority before making coverage decisions. Last reviewed: October 2026. Editorial Policy