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Find Commercial Insurance Agents Near You in Kapaʻa, HI
Browse commercial insurance agents serving Kapaʻa, Hawaii. Contact information and addresses listed below.
5 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 5 commercial 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
Old Republic Title
4-356 Kuhio Hwy Suite 140, Kapaʻa, HI 96746
(808) 821-6808
oldrepublictitle.com
Hawaiʻi Life
4-1379 Kuhio Hwy Suite 101, Kapaʻa, HI 96746
(800) 370-3848
hawaiilife.com
Insurance Factors
5196 Kome St, Kapaʻa, HI 96746
(808) 822-3097
insurancefactors.com
What Does a Commercial Insurance Agent in Kapaʻa Cost?
Typical costs for commercial insurance in Hawaii vary widely. A small retail business in Kapaʻa might pay between $500 and $2,000 per year for general liability, while workers compensation premiums depend on payroll and industry classification. Hurricane coverage can add $1,000 to $5,000 annually depending on property value and location. These are general estimates; your actual costs will depend on your specific business operations, claims history, and coverage limits. This is general information, 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 commercial insurance do businesses in Kapaʻa typically need?
Common coverages include general liability, property insurance, workers compensation, and commercial auto. Hawaii businesses near the coast may also need flood or hurricane insurance, as standard policies often exclude these perils.
Is commercial insurance legally required for businesses in Hawaii?
Yes, Hawaii law mandates workers compensation insurance for most employers with one or more employees. Additionally, commercial auto insurance is required for any business-owned vehicles. Other coverages are not legally required but are often demanded by lenders or landlords.
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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.