MoneyGeek chose Hawaii's best general liability insurance companies by analyzing factors including price, customer satisfaction, financial stability and quote processing times. Thimble is the best and cheapest company overall in the state. For limited liability companies (LLCs) with 20 workers, its average monthly premium is about $51. For sole proprietors with no employees, it is approximately $22.

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Best General Liability Insurance in Hawaii

Why Trust MoneyGeek? We collected 1,229 general liability insurance quotes and analyzed cost information alongside customer satisfaction and financial stability reports to determine the best general liability insurance companies for small businesses in Hawaii.

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Coverage costs and company information for general liability insurance providers in Hawaii were last updated in 2023.

1,229Quotes Analyzed
6 Companies Compared
50 Zip Codes

Best Overall General Liability Insurance in Hawaii

According to MoneyGeek ratings, Thimble is Hawaii's best general liability insurance provider, with a score of 93 out of 100. The table below shows how we rated each of the Hawaii companies we looked at, as well as their MoneyGeek scores and average premiums.

How was this MoneyGeek score calculated?

ThimbleMoneyGeek Score93Monthly Cost Without Employees$22Monthly Cost With 20 Employees$51
NextMoneyGeek Score87Monthly Cost Without Employees$25Monthly Cost With 20 Employees$25
HiscoxMoneyGeek Score82Monthly Cost Without Employees$29Monthly Cost With 20 Employees$145
Best OverallScore: 93
4/5LLC Affordability
5/5Sole Proprietor Affordability
2/5Customer Satisfaction
3/5Financial Stability
5/5Online Quote Process

Faster quote processing time

Cheapest for sole proprietors

Strong financial stability


Received more customer complaints

More expensive for LLCs

Company Highlights

General liability insurance from Thimble is the best option in Hawaii, and its quotes for sole proprietors are the cheapest. If you own an LLC, you can get insurance for roughly $51 per month, while sole proprietors only have to pay around $22 per month.

The company received more customer complaints in Hawaii, indicating the insurer is not the best for customer satisfaction. An excellent rating of A+ from AM Best shows the company’s financial strength, so you can be assured that the insurer is prepared to financially protect your business.

Cheapest General Liability Insurance in Hawaii

Thimble’s general liability insurance in Hawaii is the cheapest option in the state, at only $51 for LLCs and $22 for sole proprietors.

To assess companies in this area, we determined an affordability score that incorporates the monthly fees for LLCs and sole proprietors, each of which is weighted 50%. However, the company that received the cheapest overall rating might not be the most affordable for both sole proprietors and LLCs.

How was this MoneyGeek score calculated?

CheapestScore: 97
4/5LLC Affordability
5/5Sole Proprietor Affordability
2/5Customer Satisfaction
3/5Financial Stability
5/5Online Quote Process

Affordable rates for sole proprietors

Fast quote processing times

High financial stability rating


More expensive LLC rate

Company Highlights

Thimble was found to be the cheapest company offering general liability insurance in Hawaii. If you go with Thimble, you can expect to pay about $51 for LLCs and $22 for sole proprietors.

With a great AM Best rating, you will be financially well protected with the insurer, and it can be a caveat. It also offers fast estimates if you want to get a quote.

Best General Liability Insurance for Employers in Hawaii

A MoneyGeek score of 91 out of 100 earned Thimble the top spot in terms of general liability insurance providers for Hawaii employers. The average monthly policy cost for this company is $51.

We ranked LLCs with 20 employees by average monthly cost. General liability insurance premiums can depend on staff numbers. Having fewer than 20 employees may cost less, while more than 20 employees could cost more.

How was this MoneyGeek score calculated?

Best for EmployersScore: 91
4/5LLC Affordability
2/5Customer Satisfaction
3/5Financial Stability
5/5Online Quote Process

High financial stability

Faster quote processing


High customer complaints

Not the cheapest option

Company Highlights

Thimble received high financial stability ratings in our analysis, which places it in the top spot for LLCs in Hawaii looking for general liability insurance. Its policies cost an average of $51 per month for LLCs with 20 employees. The rate is the state’s second-cheapest.

AM Best gave a high financial strength rating to the insurer, which means it can protect its policyholders financially. However, it received a high complaint score, which indicates you might not be completely satisfied with the service you get from this insurer.

Best General Liability Insurance for Sole Proprietors in Hawaii

With a 95 out of 100 score from MoneyGeek, Thimble is the top pick for Hawaii sole proprietors looking for general liability insurance. The average cost of insurance from this company is $22 per month.

Average costs for sole proprietors were used to calculate the rankings for companies in this category. General liability insurance premiums might be higher for those working in riskier areas like construction.

How was this MoneyGeek score calculated?

Best for Sole ProprietorsScore: 95
5/5Sole Proprietor Affordability
2/5Customer Satisfaction
3/5Financial Stability
5/5Online Quote Process

Cheapest insurer for sole proprietors

Faster quote processing

High financial strength


Receives more customer complaints than other insurers analyzed

Company Highlights

Thimble has the best general liability insurance in Hawaii for sole proprietors, with its policies costing an average of $22 per month. This is the cheapest in the state. You also get your quotes faster than with other insurers we evaluated.

The strong financial strength Thimble comes with is evident in its rating from AM Best. You can rest assured you are financially protected with this insurer. However, the company received more complaints from policyholders, which means its customer satisfaction is subpar.

Do You Need General Liability Insurance in Hawaii?

In contrast to workers' compensation and commercial vehicle insurance, general liability insurance is not mandated by state law. However, it may be necessary in order to acquire a company license or to be awarded contracts in some fields.

General liability insurance offers protection for the following:

  • Third-party bodily injuries: General liability insurance can be used to help cover the medical expenses of customer injuries that happened on your business's property.
  • Third-party property damage: General liability insurance will pay for repairs or replacement of damaged property that was caused by your business or its employees.
  • Personal and advertising injury: If the company or its employees are sued for slander, libel or copyright infringement, the general liability insurance will cover the associated legal fees and damages.

In Hawaii, businesses with at least one employee are required to purchase workers' compensation insurance in addition to other types of business insurance. Furthermore, they must purchase commercial auto insurance for any company-owned vehicles they drive, with the following minimum limits:

  • $20,000 per person
  • $40,000 per accident for bodily injury
  • $10,000 for property damage
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The Hawaii Small Business Development Center (SBDC) offers business advisory services, including but not limited to business planning strategies, marketing strategies, acquisitions, operations management and projections. Its services are underwritten through monetary resources from the U.S. Small Business Administration and the State of Hawaii.

How Much Is General Liability Insurance in Hawaii?

In Hawaii, an LLC with 20 employees pays an average of $74 monthly for general liability insurance vs. $25 for a sole proprietor with no employees.

These rates are for a policy with an aggregate limit of $2 million, an occurrence limit of $1 million and a deductible of $0. The most that an insurer will pay out in claims over the policy period is its aggregate limit, whereas the maximum amount it will pay out for a single claim is its occurrence limit. The deductible is the amount of money business owners must spend out of their own pockets before their insurance policy kicks in.

Factors That Impact General Liability Insurance Costs in Hawaii

General liability insurance prices vary depending on the type of business and these crucial elements:

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    Policy limits

    General liability insurance includes aggregate limits and occurrence limits. While the former indicates the total amount your insurance will pay out over the duration of the policy, the latter depicts the overall amount your insurer will likely pay for each claim. A higher premium will be charged for policies with higher limits, while lower premiums can be obtained by having lower limits.

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    Number of employees and payroll costs

    Your premiums will vary substantially depending on how many employees work in your company. General liability insurance will be more expensive if your workforce is large. This is evident in the $49 price difference between general liability insurance for LLCs and sole proprietors in Hawaii.

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    Business location

    Your company's premiums may also be affected by your location. Companies located in densely populated areas are charged a higher premium due to the increased likelihood of submitting a claim. The statewide averages we found can vary based on the city your business operates in.

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    Claims history

    Rates are often lower for companies that haven’t filed claims previously than for those that have filed claims in the past. This is because companies who have previously filed claims are viewed as riskier to insure.

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    A company's general liability insurance premiums are also influenced by its industry. A high-risk industry, such as construction, can significantly increase the cost. The table below shows how the average cost of general liability insurance in Hawaii differs among different types of businesses.

General ContractorMonthly Cost Without Employees$114Monthly Cost With 20 Employees$3,020
Software DevelopmentMonthly Cost Without Employees$25Monthly Cost With 20 Employees$74
CleaningMonthly Cost Without Employees$55Monthly Cost With 20 Employees$3,163

Frequently Asked Questions About General Liability Insurance in Hawaii

Your specific business requirements and other variables will impact the best general liability insurance policy for your company. We answered some frequently asked questions about general liability insurance in Hawaii to provide you with more in-depth information.

Which company has the best general liability insurance in Hawaii?
Which company has the cheapest general liability insurance in Hawaii?
What does general liability insurance cover in Hawaii?
Does Hawaii require businesses to have general liability insurance?

About Melissa Wylie

Melissa Wylie headshot

Melissa Wylie is a Content and SEO Manager at MoneyGeek. Melissa has worked in the financial content space since 2018 and has spent much of that time focused on all things small business.

Prior to joining MoneyGeek, Melissa held SEO positions at Bankrate and LendingTree. Melissa’s work has also appeared on LendingTree-owned websites ValuePenguin and MagnifyMoney.

Melissa began her career at American City Business Journals in 2015 as a reporter for the company’s women-focused publication Bizwomen. Melissa has a Bachelor of Arts in Journalism from the University of North Texas. Melissa relies on her foundation in journalism to craft content that simplifies complex financial topics to help everyone feel confident when making decisions with their money.

Melissa's other work can be read on LendingTree and Bizwomen.