The top-rated business insurance agent in Pearl City, Hawaii is American Income Life: AO, rated 4.9 stars across 173 reviews. Other highly rated options include Margaret Yamashita - State Farm Insurance Agent, Marcus Murakami: Allstate Insurance, Primerica: Jayson and Marizka Sagucio. This directory lists 10 business insurance agents serving Pearl City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | American Income Life: AO | 98-1256 Kaʻahumanu St e203 | (800) 842-0022 |
| 2 | Margaret Yamashita - State Farm Insurance Agent | 850 Kamehameha Hwy Ste 113 | (808) 455-7944 |
| 3 | Marcus Murakami: Allstate Insurance | 98-1238 Kaʻahumanu St STE 303 | (808) 638-4044 |
| 4 | Primerica: Jayson and Marizka Sagucio | 803 Kamehameha Hwy Suite 313 | (808) 679-5050 |
| 5 | SR22 Solutions | 701 Kamehameha Hwy | (808) 468-7097 |
| 6 | Wayne Midro - State Farm Insurance Agent | 425 Kamehameha Hwy STE 301 | (808) 484-8844 |
| 7 | Parra Life Insurance of Pearl City | 950 Luehu St #105 | — |
| 8 | A.O. Hawaii | Times Square Shopping Center, 98-1256 Kaahumanu St e203 | (808) 382-5958 |
| 9 | American Income Life - Rick Altig Jr & Ilija Orlovic | Times Square Shopping Center, 98-1256 Kaahumanu St e203 | (425) 885-2838 |
| 10 | Bishop Group Inc. | Times Square Shopping Center, 98-1256 Kaahumanu St e201 | (808) 483-5005 |
What Does a a Business Insurance Agent in Pearl City Cost?
Business insurance costs in Pearl City vary by industry, revenue, and coverage limits. A small retail shop might pay between $500 and $1,500 per year for general liability, while a construction contractor could pay $2,000 to $5,000 annually for workers compensation and liability combined. Premiums in Hawaii can be higher due to island-specific risks like hurricane exposure. This is general information and not insurance advice.
About business insurance agents in Pearl City
Business insurance agents in Pearl City, Hawaii help local companies secure coverage that meets state requirements and protects against common risks. Hawaii law requires workers compensation insurance for most employers with one or more employees. Agents can guide you through policies that comply with Hawaii Revised Statutes and address island-specific concerns like hurricane and flood exposure.
Frequently Asked Questions
What types of business insurance are required in Hawaii?
Hawaii law requires workers compensation insurance for employers with at least one employee. Commercial auto insurance is required if you use vehicles for business. General liability is not legally required but is strongly recommended for most businesses in Pearl City.
How do I choose a business insurance agent in Pearl City?
Look for an agent licensed in Hawaii who understands local risks like volcanic activity or tsunami zones. Ask about their experience with your industry and request quotes from multiple carriers to compare coverage options and pricing.
Can I bundle multiple business insurance policies in Hawaii?
Yes, many agents offer business owner policies that combine general liability, property, and business interruption coverage into one package. Bundling can reduce your total premium and simplify management of your insurance needs.