HIMI's Small Business Program

HIMI's trifecta insurance program offers tailored coverages in one convenient bundle.

Program policyholders benefit from a preferred rating tier, a single inclusive bill, online payment options, one renewal date and more!

We’ve partnered with carriers deeply committed to Hawaiʻi to provide you with a simplified and streamlined insurance experience, giving small businesses the ability to thrive in the islands.

HIMI’s program provides key coverages with three policies from carriers committed to Hawaiʻi businesses:

• Business Owner’s or Package Policy from Hallmark
• Workers’ Compensation from HEMIC
• Temporary Disability Insurance from EPIC

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To qualify customers must have:

• Contractor's License
• Under 50 employees
• Acceptable loss ratio
  • Or new ventures with experience
• Safety and Return-to-Work programs

*See application for additional requirements and guidelines.

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To qualify customers must have:

• Under 50 employees
• Acceptable loss ratio
  • Or new ventures with experience
• Low Liquor Sales
• Safety and Return-to-Work programs

*See application for additional requirements and guidelines.

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To qualify customers must have:

• Under 50 employees
• Acceptable loss ratio
  • Or new ventures with experience
• Safety and Return-to-Work programs

*See application for additional requirements and guidelines.

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To qualify customers must have:

• Under 50 employees
• Acceptable loss ratio
  • Or new ventures with experience
• Safety and Return-to-Work programs

*See application for additional requirements and guidelines.