> Long-Term Disability (LTD) Long-term-disability plans provide income for an individual who cannot work because of an illness, disease, or non-occupational injury. Most plans require that the individual be a full-time employee for at least one year before the disability coverage applies.
> Foreign-product liability This coverage applies to losses that occur because of difficulties involved in distributing or acquiring items that are manufactured by foreign suppliers.
> Automobile If you own and operate commercial vehicles, you should make sure that your fleet is appropriately insured. If business use of a vehicle is minimal and limited to your personal vehicle, the necessary coverage can probably be included in your personal policy. Best bet: Check with your agent to be sure.
If you live in the following cities and need an Insurance Advisor or to get a
quote, you should contact our Hawaii Insurance Advisors today:
Ahuimanu
Aiea
Aliamanu
Ewa Beach
Halawa
Hilo
Honolulu
Kahului
Kailua
Kaneohe
Kaneohe Station
Kapaa
Kihei
Lahaina
Makaha
Makakilo City
Mililani Town
Nanakuli
Pearl City
Schofield
Barracks
Wahiawa
Waianae
Wailuku
Waimalu
Waipahu
Waipio
Did You Know?
There are several areas of risk that you should consider if you operate a business in your home.
These include: Business-related personal property coverage (computers, furniture, etc.) Inventory Off-premises coverage for business-related personal property Business property of others accounts receivable (up to a specified limit) Liability coverage may include personal injury, products and completed operations, incidental contractual liability, and general commercial liability. Electronic data processing coverage Valuable papers Business interruption and extra expense
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Legal Disclaimers The information provided on Hawaii Insurance Advisors.com is not intended to be insurance advice, but merely conveys
general information related to insurance issues commonly encountered.
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