Commercial Insurance

Protect your Business

At JHC Services, we understand the challenges businesses face every day. That’s why we offer comprehensive commercial insurance plans to safeguard your assets, employees, and operations. From liability protection to property coverage, our solutions are tailored to Hawaï’s unique risks, ensuring you can focus on growing your business with confidence.

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Coverages We Offer

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Property

Protects a building and its contents such as computers and inventory, as well as exterior fixtures. Coverage includes physical asset protection from fire, explosions, burst pipes, storms, theft and vandalism.

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Commercial General
Liability

Shields a business from third-party claims that can arise from operations. Coverage may include bodily injury and property damage liability, personal and advertising injury, medical payments, products completed operations, and damage to premises rented to you.

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Workers’ Compensation

Offers protection against injuries or illnesses your employees may experience in the workplace. According to Hawai`i law, any employer that has one or more employees, full-time or part-time, permanent or temporary, must provide Workers’ Compensation coverage for those employees.

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Professional Liability

Directors & Officers (D&O) Liability insurance helps cover defense costs and damages arising out of wrongful act allegations and lawsuits brought against an organization’s board of directors and/or officers.

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Auto Liability

Personal auto insurance doesn’t cover all business-related risks. If vehicles are used for business, commercial auto insurance offers adequate coverage in its place. There are three basic parts of every commercial auto insurance policy: Liability, Physical Damage and Other coverage (medical, towing, rental reimbursement, and auto loan or lease gap).

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Temporary Disability (TDI)

The State of Hawai`i also requires employers to provide TDI coverage for employees. This wage-replacement insurance covers off-the-job injuries and illnesses, including pregnancy, for qualifying employees.

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Cyber Liability

Cyber Liability insurance helps cover financial losses that occur from data breaches and cyber-security issues.

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Umbrella and Excess Liability

This coverage acts as an additional layer of protection and kicks in when the limits of your other policies have been reached.

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Boiler and Machinery

Boiler and machinery insurance covers the cost of repairing or replacing damaged equipment and business losses incurred from non-functioning equipment.

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Answers to Your Commercial Insurance Questions

  • What is commercial insurance, and why do I need it?

    Commercial insurance protects your business from financial losses caused by risks such as lawsuits, property damage, or employee injuries. It’s essential for ensuring long-term success and compliance with state regulations.

  • How much coverage does my business need?

    The amount of coverage depends on your industry, the size of your business, and the specific risks you face. Our team will work with you to create a customized policy that fits your needs.

  • Does commercial insurance cover natural disasters?

    Property insurance within your commercial policy typically covers damages from events like hurricanes, storms, or floods. We’ll ensure you have the right protection for Hawaii’s unique climate risks.

Your Trusted Partner in Business Protection

JHC Services has been serving Hawaii’s businesses for over 40 years. As a locally owned and operated agency, we know the unique challenges businesses face in the islands. With our expertise, strong relationships with top-rated carriers, and commitment to personalized service, we’ll help you find the right coverage at the best price.