Restaurant Insurance in Hawaii: 2026 Cost Guide

How Much Does Restaurant Insurance Cost in Hawaii?

Restaurant insurance in Hawaii averages $165 per month for general liability coverage alone. A comprehensive insurance package — including general liability, commercial property, and workers' compensation — typically runs between $2,237–$3,799 per year for a typical full-service restaurant.

Here's what you can expect to pay for individual coverage types in Hawaii:

These figures are based on a typical full-service restaurant with 10-20 employees and $500,000–$1,500,000 in annual revenue. Your actual costs will depend on your specific location within Hawaii, claims history, employee count, and coverage limits.

Hawaii-Specific Insurance Requirements

Hawaii is unique in requiring employers to provide Temporary Disability Insurance (TDI) in addition to workers' compensation—covering non-work-related illness and injury. This adds approximately $100-300/year per employee. Hawaii's Prepaid Health Care Act also requires employers to provide health insurance to employees working 20+ hours per week. These additional requirements make Hawaii one of the most expensive states for total employer insurance obligations.

Required Coverages in Hawaii

• General Liability
• Workers' Compensation (all employees)
• Temporary Disability Insurance (TDI)

Recommended Additional Coverages

• Commercial Property
• Hurricane/Windstorm Coverage
• Liquor Liability
• Business Interruption
• Equipment Breakdown

Hawaii Risk Factors That Affect Insurance Costs

Hawaii faces hurricane risk, volcanic activity (Big Island), and tsunami exposure, all of which significantly increase property insurance costs.

The state's isolation creates extreme supply chain vulnerability—business interruption losses are magnified because replacement materials must be shipped from the mainland.

Hawaii has one of the highest costs of living in the US, with a minimum wage of $14.00/hr, driving up workers' comp premiums.

Best Restaurant Insurance Companies in Hawaii

We've identified the top insurance providers serving Hawaii restaurants. CoverWallet is our top pick for most Hawaii restaurants based on coverage options, pricing, and customer satisfaction.

Workers' Compensation Rules in Hawaii

Hawaii requires workers' comp for all employers. The state offers the Hawaii Employers' Mutual Insurance Company (HEMIC) as a competitive state fund option.