General Contractor Insurance in Hawaii

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Do Hawaii general contractors need insurance?

The Aloha State is home to a thriving construction industry. The industry boasts more than 9,100 sole traders, with many who are registered as general contractors.

Construction sites are hazardous workplaces. Small-sized businesses are susceptible to expensive risks if they’re involved in business or residential projects. Insurance for contractors can safeguard your Hawaii business against mishaps and delays.

Insurance for contractors is a simple term used to describe the different kinds of coverage a general contractor could think about.

  • General Liability
  • Business Owner’s Policy

Learn more about Hawaii contractor’s insurance and how you can find policies that suits your company through BizInsure.

Who may need contractor insurance in Hawaii?

Many contractors choose to buy insurance to safeguard their business and themselves. The coverage provided by General Liability and other types of insurance could provide a critical safety net for your business and you.

Certain kinds of insurance might be required for certain customers (and this is usually stipulated in contracts for business).

Choose your profession below to find out more about your options for insurance and start a customized quote insurance quote.

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What insurance policies do Hawaii contractors commonly consider?

Hawaii contractors often look at several different kinds of insurance. These insurance policies can help you manage the common risks faced by general contractors on the job.

General Liability Insurance

Construction sites are a place where anything could occur. Your company could be affected by simple mistakes, such as placing your equipment in the wrong place.

A General Liability policy can protect you against any claim by an outside party regarding injury or damage to their property. In these instances, your policy will cover your legal expenses as well as your cost to replace or remedy the situation up to the limits of liability. It is also referred to as Commerical General Liability (CGL) or “slip and fall” insurance.

Business Owner’s Policy

There are times when things don’t go according to plan in the construction field. It is possible that you won’t be able to finish your project on time if you have interruptions to your work or if tools break.

A Business Owner’s Policy (BOP) is a combination of policies, combining covers such as General Liability insurance and business personal property coverage, to help protect small businesses from costly interruptions to service. BOPs can be tailored to meet the requirements of your business. It can be a practical, cost-effective way to protect yourself against the many dangers that contractors face.

What does Hawaii contractor’s insurance cover?

Insurance for contractors can protect your business from a variety of risks. Based on the type of coverage that you select, events like:

  • Claim for property damage and injury to third parties (General Liability)
  • Unexpected disruptions to business (Business Owner’s Policy).
  • Equipment breakdown (BOP)

How much does contractor insurance cost in Hawaii?

Insurance companies consider many factors when determining the premium for each business. The cost of your business may depend on such things as:

  • You can select the kind of insurance protection you require.
  • The size of your business (annual revenues).
  • How many individuals will be covered by the policy
  • Your claim history
  • The amount of coverage you choose

How can I get general contractor insurance in Hawaii?

With BizInsure, you can compare various estimates in just 10 minutes. Then, choose policies that suit your budget and needs. You’ll be covered instantly, and policy documents will be sent directly into your email.

Need help? Our licensed agents are available to assist you at any point along the way.

Compare multiple quotes to find insurance policies for your general contractor business.

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As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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