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Compare business insurance agents in Kapaʻa. Review contact information and insurance categorys before you decide.
3 agents listed
Updated May 2026
Kapaʻa, HI
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Hawaii before hiring.
Showing 3 business insurance agents in Kapaʻa, HI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Donovan Gardner: Allstate Insurance
4-901 Kuhio Hwy Ste 112, Kapaʻa, HI 96746
(808) 212-9848
agents.allstate.com
Darrellyn Lemke - State Farm Insurance Agent
4-1593 Kuhio Hwy, Kapaʻa, HI 96746
(808) 822-7335
darrellynlemke.com
Insurance Factors
5196 Kome St, Kapaʻa, HI 96746
(808) 822-3097
insurancefactors.com
Business insurance agents in Kapaʻa help local companies find coverage that meets Hawaii state requirements. Hawaii law requires employers to carry workers compensation insurance if they have one or more employees. An agent can guide you through options like general liability and commercial auto policies tailored to Kauai businesses.
What Does a Business Insurance Agent in Kapaʻa Cost?
Typical costs for a small business insurance policy in Hawaii range from $500 to $3,000 per year for general liability. Workers compensation premiums average $1.50 to $3.00 per $100 of payroll, depending on the industry. Commercial auto policies often cost $1,200 to $2,500 annually per vehicle. These are general estimates and your actual cost will vary based on your specific business operations and coverage needs. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What types of business insurance are required in Hawaii?
Hawaii requires workers compensation insurance for employers with one or more employees. Commercial auto insurance is required for any business-owned vehicles. Other coverages like general liability are not legally required but are often needed by landlords or clients.
How do I find a licensed business insurance agent in Kapaʻa?
You can search the Hawaii Department of Commerce and Consumer Affairs online database for licensed agents in Kapaʻa. Local referrals from other business owners or the Kauai Chamber of Commerce can also help you find an agent familiar with island-specific risks.
What factors affect business insurance costs in Hawaii?
Costs depend on your industry, number of employees, annual revenue, and claims history. Hawaii businesses in tourism or construction often pay higher premiums due to increased liability risks. Location in Kapaʻa may also affect flood or hurricane coverage costs.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Hawaii.