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  • Small Business Program for Professional Services

  • Our trifecta insurance program for Professional Services provides comprehensive, quality coverages at competitive prices with local servicing.

    The program provides key coverages with three policies from carriers committed to Hawai`i businesses: Business Owner’s or Package Policy from Hallmark/HDI Global, Workers’ Compensation from HEMIC, and Temporary Disability Insurance from EPIC.

    Eligible operations include:

    • Accountants
    • Auditors
    • Attorneys
    • Physicians
    • Beauty Salons/Barber Shops (professional liability may be included)
    • Nail Salons (professional liability may be included)

    To qualify for the program, customers must have:

    • 49 or fewer employees
    • 5 years of experience in both industry and management (new ventures accepted)
    • BOP/Package loss ratio of 30% or less
    • WC loss ratio of 40% or less
    • Safety and Return-To-Work Programs

    **Eligibility may change upon underwriting review.  If your submission does not qualify for a small business program quote, it may still qualify through the standard underwriting process.

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