HIMI

General Liability Insurance

What is General Liability Insurance?

General Liability Insurance covers a business for claims made by others, including bodily injury or damage to property. Also includes personal and advertising injuries.

It is important to protect your business against the risks of litigation. As an owner, you may be legally responsible if another person gets hurt while at one of your properties, a contractor’s property gets damaged while at your warehouse, or because of a wrong doing by your staff member while at a client’s office.

When it comes to your business, the best way of protecting yourself and those around you from potential lawsuits is by having general liability insurance.

Below are a few scenarios where this could apply:

If a customer’s property is damaged while on your property.
If a customer gets hurt while visiting your property.
If a client is injured by your equipment while you're visiting that client's property.
If a subcontractor is injured on your job site.
If you advertise or market your company unintentionally using someone else’s copyright or trademark.

Specialty Carrier:

Finding a specialty carrier with a general liability policy and expertise that maps to a business' industry or other special needs can make a difference:

Specialty carriers often have unique loss prevention programs and expertise in claim handling for effective claim management and mitigation.

About Our Carrier Partners

Aerospace Insurance Managers

Aerospace Insurance Managers provides coverage for private and commercial general aviation aircraft, private and public airports, fixed base operators and other aviation businesses, as well as those having difficulty finding necessary coverage. One of the most important features in the aviation market is consistency. Aerospace has become a recognized provider of sound coverage, consistent underwriting, prompt and accurate policy delivery, fair pricing and reliable claims service.

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Berkley Human Services

Berkley Human Services has exclusively insured the human services niche for over 35 years. They are focused on providing superior insurance coverage, claim handling, and risk control solutions. Their intimate knowledge of the risk exposures and concerns of this niche enables them to design and deliver customized, end-to-end solutions. Passionate about serving those who serve others, they value the trust they have earned from many long-term customers and are dedicated to long-term relationships.

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Hallmark Commercial Insurance Solutions

Hallmark Commercial Insurance Solutions (CIS) specializing in small and medium-sized businesses, Hallmark CIS is known for specialty BOPs, coverage enhancements, competitive prices and a broad appetite for the types of businesses they will insure. They have a deep understanding of Hawai‘i businesses and are dedicated to long-term relationships.

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Pharmacists Mutual

Rated A "Excellent" by AM Best, Pharmacists Mutual has been providing specialty insurance for Pharmacies since 1909. Today they offer specialty insurance with expert risk management and claims handling for Pharmacy, Dentistry, Veterinary, Home Health Care, Home Medical Equipment, Personal Care Providers, and more.

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HIMI Carriers

HIMI partners with carriers you can trust.

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“You guys have been awesome, with coverages and servicing accounts. We’ve been trying to move all our accounts to you. Every file that I come across as a renewal, I run by Ryan. Many accounts were written before my time, before Connors knew they had a TDI option with you. But now that we know... and Ryan’s been awesome!”

Melinda Gibbs

Insurance Factors

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