Contractor Insurance
in Hawaii
Navigate Risk and Regulation in Hawaii’s Unique Construction Environment
Whether you’re building in Honolulu or remodeling on Maui, Hawaii contractors face unique challenges—from strict licensing laws to island-specific jobsite risks. ACI offers affordable, state-compliant insurance policies that protect your business, meet local regulations, and keep your projects running smoothly.
Why Contractors in Hawaii Choose ACI
Instant Quotes
Get insured in minutes with no paperwork delays.
Tailored Coverage
Customized for your trade, crew size, and jobsite risks.
State Expertise
We understand Hawaii’s contractor rules and requirements.
Bundled Savings
Combine policies for better protection and lower premiums.
Fast Certificates
Get proof of insurance the same day you bind coverage.
Insurance Coverage We Offer in Hawaii
Our contractor policies are designed to protect your business at every level:
- General Liability Insurance
Protects against third-party property damage, injury claims, and legal fees.
- Workers’ Compensation Insurance
Covers medical costs and lost wages when employees are injured on the job.
- Commercial Auto Insurance
Insures vehicles used for transporting materials, equipment, or crew.
- Tools & Equipment Insurance
Covers theft, damage, or loss of gear—on the jobsite or in transit.
- Builder’s Risk Insurance
Protects structures under construction from fire, theft, vandalism, and natural disasters.
- Professional Liability Insurance
Defends against design errors, code violations, or disputes over work performance.
Who We Cover in Hawaii
If you work in Hawaii construction, we’ve got a policy built for your trade. ACI insures:
- General Contractors
- Electricians
- Plumbers
- Roofers
- HVAC Technicians
No matter your specialty or crew size, we’ll match you with coverage that fits the way you work.
How Much Does Contractor Insurance Cost in Hawaii?
Hawaii contractor insurance costs vary based on trade, location, and coverage types. Here are the top factors that affect your premium:
Cost Factors
- Coverage Type
Liability, comp, auto, and tool protection influence your premium.
- Business Size
The number of employees directly impacts your cost.
- Annual Revenue
Higher revenue may require larger coverage limits.
- Claims History
Clean histories often mean lower premiums.
- Deductibles
A higher deductible can reduce your monthly payment.
Affordable Access
Many ACI clients secure coverage with just 20% down, making us one of the most accessible options for Hawaii contractors.
Get a custom quote based on your trade and island location.
Hawaii Contractor Insurance Requirements
General Liability Insurance
Required to obtain a contractor license through the Hawaii Department of Commerce and Consumer Affairs (DCCA). Coverage must meet minimum limits based on license classification.
Workers’ Compensation Insurance
Mandatory for all employers in Hawaii. If you hire even one employee, you must carry workers’ comp through a licensed insurer or self-insurance program.
Commercial Auto Insurance
All business vehicles must carry minimum liability limits to operate legally in Hawaii. Coverage is essential for transporting tools and materials across island job sites.
Requirements may vary by trade or island—get a personalized consultation to ensure compliance.
Get a Free Contractor Insurance Quote
in Hawaii
No stress. No waiting. Just fast, reliable coverage and a free quote that fits your trade and state requirements.