• Business Insurance

Hawaii Business Insurance

Last Updated: February 16, 2024, 11:45 am by TRUiC Team

This guide covers Hawaii business insurance requirements, costs, and types. Business insurance protects your business’s assets from natural disasters and lawsuits from employees, customers, or other businesses.

In addition, all Hawaii businesses with one or more part- or full-time employees must carry workers' compensation insurance under Hawaii law. 

Recommended: Get the protection you need in Hawaii with a dedicated small business insurance provider like Next Insurance .

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Business Insurance in Hawaii

Getting the right business insurance is easy with the right insurance provider. Learn more about business insurance and our recommended providers below.

To research business insurance requirements in other states, visit our guide .

Hawaii Business Insurance Requirements

The State of Hawaii requires certain types of business insurance. Like most states, workers’ compensation insurance is required for businesses with at least one employee. Hawaii also requires unemployment and disability insurance for employees depending on hours worked and compensation.

How Much Does Business Insurance Cost in Hawaii?

The most accurate way to determine insurance costs is to get a quote from a trusted provider. Some insurance providers specialize in small business insurance, which helps reduce costs. 

According to a recent US small business study, you can expect to pay (on average):

  • General Liability: $65/month 
  • Business Owner’s Policy: $99/month 
  • Professional Liability (E&O): $97/month
  • Workers’ Compensation: $111/month

Find the Most Affordable Coverage

Visit our Cheapest Business Insurance review to find the best coverage at the lowest rate.

Types of Hawaii Business Insurance

When starting a business in Hawaii, it's important to understand the types of business insurance available to you. Here are the most common policies:

General Liability Insurance

The vast majority of Hawaii companies purchase general liability insurance from an insurance company even though it is not legally required. This type of business liability insurance covers third-party bodily injury, third-party property damage, advertising liability, libel, slander, copyright issue, and other common claims faced by companies across various industries. 

General liability insurance is one of the most important types of business insurance your company can purchase.

Business Owner’s Policy

A business owner’s policy (BOP) is an affordable way to bundle business insurance coverages. This type of policy includes commercial general liability insurance with commercial business property insurance. Many small business owners with a physical business space opt for this coverage.

Commercial Auto Insurance

You need to carry commercial auto insurance if your company uses vehicles to transport people or goods. This type of insurance is very similar to personal auto insurance and covers liability, medical costs, collisions, and uninsured/underinsured motorists. A commercial auto policy also covers vehicles rented or owned by your company and employees who use their own vehicles for company business.

Workers’ Compensation Insurance

Hawaii requires businesses with employees to carry workers’ compensation insurance . These policies cover employees who are injured or get sick while at work. Covered costs include medical expenses, lost wages, and death benefits. Coverage is provided for this “no-fault” insurance regardless of whether the employer caused the injury or illness.

Employee Health/Life/Disability Insurance

Companies that provide health, life, and/or disability insurance as a fringe benefit will need appropriate Hawaii insurance. Under the Affordable Care Act, firms with more than 50 full-time employees must offer health insurance or pay an expensive penalty.

Professional Liability Insurance

Professional liability insurance covers financial risks to attorneys, accountants, and other people who provide professional services or expertise. Professional liability coverage varies depending on the industry but usually includes negligence, legal defense, slander or libel, and copyright and trademark disputes. 

Professional liability insurance includes errors and omissions (E&O) insurance.

Data Breach Insurance

If your company hosts customers’ personal information on its servers and those servers are hacked, lawsuits and damages can result. Data breach insurance protects you in these cases. 

Cyber Liability Insurance

Similar to but more comprehensive than data breach insurance, cyber liability insurance may pay for legal expenses related to a data breach or set up a call center for individuals affected by a breach. It also may pay for active protection against cyberattacks.

Commercial Crime Insurance

Crimes like extortion, forgery, burglary, computer fraud, and embezzlement are covered by commercial crime insurance. Situations in which this type of insurance is particularly useful include dishonest or libelous acts by employees.

Fiduciary Liability Insurance

Fiduciaries, who are legally required to act in plan participants’ best interests rather than the company’s when choosing advisors and investments, should consider this type of insurance coverage. It covers them if they are sued for allegedly providing negligent investment advice or administering plans or benefits incorrectly. 

Third parties like out-of-company consultants and benefit plan administrators are usually not protected.

Directors and Officers Insurance

Any company with directors and officers should consider directors and officers (D&O) insurance coverage, a type of liability insurance that reimburses directors and officers for claims made against them regarding harm allegedly caused by their management decisions.

Executive Risk Coverage

Executive risk insurance is business liability insurance that provides coverage for fraud, D&O, employment practices, initial public offerings, pension funds, extortion, and professional negligence.

Protect your Hawaii Business with Insurance

Get a quote with Next and find an insurance product tailored to your needs. It only takes a few minutes.  

How to Get Business Insurance in Hawaii

There are four basic steps to getting business insurance:

Assess Your Risk

Consider what risks, natural disasters, and lawsuits your business might be prone to. This will help you get the right insurance coverage.

Get a Quote

It’s challenging to compare quotes because the policies will have different coverages and different prices — and it’s hard to compare apples to oranges. We recommend keeping it simple with two quotes from providers you trust.

Review and Purchase

Review the terms of the policy and make sure the coverage meets your needs. The cost of the policy should be a secondary consideration because if you don’t have the right coverage, what’s the point?

Gather Your Information

You’ll need information on your business property, including leases, construction, and square footage. For vehicles, you’ll need mileage, title, registration, and the names and copies of the driver’s licenses of employees that will be driving them.

Your insurance company will need the names and social security numbers of employees and owners. Bank records may also be requested as well as contact information for your CPA and/or attorney.

Hawaii Small Business Data

According to an SBA survey , 137,328 Hawaii small business owners employ 275,076 people who comprise 49.9% of the state’s private-sector workforce.

The most populated cities in Hawaii include Honolulu, Pearl City, Hilo, and Waipahu, which may be good places to establish a business in the state.

Professional, scientific, and technical services; health care and social assistance; and accommodation and food services are the largest small business employers in Hawaii, according to the latest data available from the SBA.

Overall, Hawaii is not a strong state for business. The state ranks 46th in the Top States for Business 2022 , mainly because of the high cost of doing business and the high cost of living. That being said, the state does score well for life, health, and inclusion.  

Hawaii Business Insurance FAQ

Am i required to purchase workers’ compensation coverage in hawaii.

Yes. You are legally required to purchase workers’ compensation insurance in Hawaii if you hire employees. 

How much does business insurance cost in Hawaii?

How much business insurance in Hawaii will cost for you will depend on several factors:

  • How many coverage policies are you purchasing?
  • What types of coverage policies are you purchasing? Some are more expensive than others.
  • What’s your risk profile? Have you been involved in other claims or settlements in the past?
  • How liquid is your business?
  • How risky is your business’s industry?

Generally speaking, you will need to request a quote from your preferred insurance provider for each insurance policy. They will be able to assess your business’s specificities and give you an accurate estimation of your monthly or annual fees.

Why do I need business insurance?

Business insurance helps protect businesses from costs associated with liability claims and property damage. Some states require certain types of business insurance.

Business insurance not only protects your business — it protects your employees and customers too. It provides peace of mind and can add credibility to your business. Many contracts require business insurance, as well.

What kind of insurance do you need to run a business?

Business insurance requirements vary by state. In Hawaii, businesses with one or more employees must have workers’ compensation insurance. 

In addition, unemployment and disability insurance is required for Hawaii employees depending on the number of hours worked and compensation. However, this is something that you will pay as a tax to the state and not something you obtain from an insurance provider.

How do I get a certificate of insurance for my Hawaii business?

You can get a certificate of insurance by starting a policy with an insurance provider.

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If you are a small business owner, you may be concerned about how you will provide health insurance for your employees. While it isn’t required in all states, health care plans can be a valuable incentive that helps employers recruit and retain employees. Here’s what small business owners need to know about group health plans.

Employer Sponsored Insurance

Group health plans can be purchased by employers or organizations that wish to help their employees or members get access to affordable health care coverage. The benefit of group health plans is primarily the low premium costs for these plans. Because the risk to the insurer is spread across a larger number of people, they are able to provide coverage at lower costs than individual plans. 

This makes the cost for employer sponsored insurance much lower, creating a win win situation for employers and employees. Employers get to save on insurance coverage, while employers get to offer their employers the health care coverage they need to stay healthy and continue working.

Group Health Plans For Small Businesses

As a small business owner, you may not have access to the largest plans that are designed for enterprise organizations. If you have between 1-50 employees, you will likely be better off purchasing a small business health insurance plan. These plans are structured to provide small companies with affordable coverage for a limited number of employees.

Types Of Small Employer Group Health Plans

There are several different types of group health plans that you can opt into. They are as follows:

  • Health Maintenance Organization (HMO) – HMO plans offer extensive coverage with relatively low out-of-pocket costs for the beneficiaries. The downside to HMO plans is the fact that they typically require most care to be done by health care providers that are within their specific service network. You will also need referrals to see a specialist.
  • Preferred Provider Organization (PPO) – PPO plans are more flexible, as they allow members to see a broader range of health care providers. While many PPO plans do have a network of providers, members have the option to see out-of-network providers at a higher cost. Because PPO plans are more versatile, they often have higher premiums than other types of health insurance. You won’t need a referral to see specialists.
  • Point of Service Plan (POS) – POS plans combine the best features of PPO and HMO plans. They cost less than PPO plans, but more than HMO plans. While you can see out-of-network providers with a POS plan, you will still need a referral from a primary care physician to see a specialist.

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Compare Small Business Insurance Plans

To find the ideal small business insurance plan, weigh the needs of your employees against your budget. Think about the monthly premiums that you and your employees will be required to pay. Also consider deductibles, copayments, and coinsurance, and whether those costs will be acceptable to your employees. Which type of plan you decide to offer can impact employee satisfaction as well, so make sure you consider the needs of your employees.

You Have Options

Shopping for group health insurance can be difficult if you don’t know what to look for. The insurance experts at Proinsurance Hawaii can help you determine which level of coverage is best for your company, then help you find a plan that suits your specific needs. To get started with a free quote, give us a call at 808-735-0106 .

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PO Box 4348 Waialae Ave. #101 Honolulu, HI 96816 Service All Islands of Hawaii Phone: 1-808-735-0106 / 1-855-722-8376 Fax: 1-800-774-7567' Monday - Friday: 8am to 5pm

© 2023 All Rights Reserved. Terms Of Service | Privacy Policy | HTML / XML Sitemap . We are not connected with or endorsed by the United States government or the federal Medicare program.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or ‍1-800-MEDICARE to get information on all of your options. Medicare has neither reviewed nor endorsed this information. Not connected with or endorsed by the United States government or the federal Medicare program.

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The majority of non-elderly Americans receive their health insurance coverage from an employer. However, self-employed individuals who run a small business or are employed by a small business need to find another way to get health insurance coverage. 

The great news is that self-employed health insurance, just like individual and family plans, can be purchased using the insurance marketplace.

In November 2016, after a couple of years of using a state-based enrollment system, Hawaii switched to the federally run health insurance marketplace. This means that every plan is ACA-approved.

At this point, two insurers provide self-employed health insurance plans in Hawaii, HMSA and Kaiser.

What Health Insurance Options Do Self-Employed Individuals In Hawaii Have?

There are numerous health insurance options for consultants, entrepreneurs, and freelancers in Hawaii today. Most people choose self-employed health insurance as it provides them with flexibility that matches their income's unpredictability. 

With a self-employed health insurance plan, you can apply for tax credits or subsidies should your income dip. You can also modify your insurance coverage when your income picks back up. Additionally, self-employed health insurance plans give you enough room to search for the best plan that suits your needs without getting stuck with a pre-selected plan.

Where Can I Get Self-Employed Health Insurance?

According to the Affordable Care Act, self-employed individuals are sole proprietors without employees or independent contractors. These individuals simply have to head over to the Healthcare.gov site to sign up for the best self-employed health insurance plan for you. 

If you have employees, typically workers with the income you report on a W2 every end of the business year, you are considered an employer. In this case, you will have to buy health insurance for yourself and your employees using the SHOP Marketplace. 

Types of Small Business Health Insurance Plans

  • PPO Health Insurance Plans,
  • HMO Health Insurance Plans,
  • HSA-Qualified Health Insurance Plans
  • Indemnity Health Insurance Plans.

Considering that there are numerous plans and terms, finding the plan that best suits you can be difficult, to say the least. That is why we at Very Good Coverage have decided to help you take the guesswork out of health insurance shopping. All you have to do is fill out the required information plus your health insurance preferences, and you get a quote for a plan that best suits you.

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Best Hawaii Health Insurance (2024 Plans)

Kaiser Permanente offers the best health insurance in Hawaii. MoneyGeek’s review of the health insurance companies in 2024 evaluated age, maximum out-of-pocket (MOOP) costs, plan flexibility and claims management.

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Updated: February 10, 2024

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About Mark Fitzpatrick

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Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC , NBC News and Mashable .

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

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You have more insurance options for your health than you think, Hawaii

If you’re self-employed or without insurance from your employer — in other words, you’re looking for individual or family health insurance in Hawaii — you might be looking for Affordable Care Act insurance, what's often called Obamacare. However, we want to make you aware of the whole range of individual and family insurance products we have available in your state. 

Supplemental, dental and vision insurance in Hawaii

Hospital & doctor insurance.

Health ProtectorGuard fixed indemnity insurance , 1  underwritten by Golden Rule Insurance Company, can supplement your major medical plan by paying cash for eligible, covered medical services, like a doctor visit, a trip to urgent care or a surgical procedure.

  • No deductibles or copays to pay first
  • Benefits paid regardless of other insurance
  • Money to pay costs not covered by major medical plans, like a deductible

Hawaii dental plans

Dental insurance plans, underwritten by Golden Rule Insurance Company, have no age limit restrictions. 2 They offer coverage for the dental services many medical insurance plans don’t include. 

Hawaii vision plans

Vision insurance plans, underwritten by Golden Rule Insurance Company, have no age limit restrictions. 2 They offer coverage for the vision services many medical insurance plans don’t include. 

Accident & critical illness insurance

Accidental injuries and critical illness happen when you least expect them. Those unexpected expenses can strain any budget.  Accident insurance 1 and  critical illness insurance 1  can help by paying cash benefits for covered injuries or illnesses.

The Accident Pro series of products, underwritten by Golden Rule Insurance Company, combines accident insurance with critical illness, hospitalization, and accidental death and dismemberment coverage all in one. Some plans are guaranteed issue, meaning your application won’t be turned down for preexisting conditions.

Looking for other health plans?

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Need help finding a plan?

Answer a few questions to see which insurance options may be available for you.

Medicare plans

Health insurance for individuals who are  65 or older , or those under 65 who may qualify because of a disability or another special situation.

Call 1-844-232-1426 to learn more.

Medicaid plans

We offer low cost or no cost health insurance plans for those with limited incomes.

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How to start an LLC in Hawaii in 2024

Brynne Conroy

Alana Rudder

Alana Rudder

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 1:53 p.m. UTC Oct. 24, 2023

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Setting up an LLC in Hawaii is a straightforward process and a relatively low-cost endeavor compared to other states. If you live in Hawaii and operate a local, community-based business, filing for an LLC can provide adequate limited liability protection to separate your personal assets from business liabilities. 

In addition to liability protection, starting an LLC in Hawaii can have other benefits. Jon Zahaby, an estate and small business attorney based in Honolulu, says residents tend to be “local-conscious,” taking extra care to pay patronage to small businesses over larger corporations based in the contiguous U.S. 

If establishing an LLC in Hawaii sounds like a match for you, we’ve put together eight steps to guide you through the process.

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8 steps to start an LLC in Hawaii

1. select or reserve a business name.

The first step to setting up your LLC is selecting your business name. To get started, brainstorm some acceptable business names. Then, use Hawaii’s search tool to determine if they are already in use. If you find your name is unavailable, you can tweak it to make it different from the one already in use. However, keep in mind that you cannot distinguish a name by:

  • Changing a number to its written form. 
  • Changing the spelling of a word (“Kids” to “Kidz,” for example).
  • Adding a business entity suffix or “partner” to the name. 
  • Changing “and” to a variant of the word, such as “‘n” or “&”.
  • Add a preposition or article. 
  • Adding or removing punctuation, spaces or symbols. 
  • Changing a word in the existing name to its plural or singular form.
  • Changing a word in the existing name to an abbreviated version. 
  • Adding “Hawaii” or “Hawaiian.” 
  • Adding a number. 

Some ways to distinguish your name include changing a word in the name to a different word with a different meaning or changing the sequence of the words in the existing name.

In addition to ensuring the name is different from already-registered business names in Hawaii, do a search of your name using the U.S. Patent and Trademark search database . This will ensure the name is not nationally protected from infringement. Finally, so you can successfully market your name, search for the name in its domain and social-media-handle forms to ensure another company is not already marketing the name. 

If the name is available but you’re not ready to register your business, it’s a good idea to pay the $10 fee (plus an optional additional $25 for expedited review) to reserve the business name for up to 120 days (with the option to renew). You can do so online by clicking “get started” under “reserve a business name” using Hawaii business express . 

Zahaby stresses that reserving a name may be particularly important in Hawaii. Because so many businesses in the state are community-centered, they tend to be named after community landmarks or linguistic features of the Hawaiian language. This results in higher competition for specific business names than in other states. “For example, ‘Aloha LLC’ isn’t likely to be available,” says Zahaby.

2. Designate a registered agent

In Hawaii, you must designate a registered agent for your LLC. Registered agents receive legal notices and other official documentation on your LLC’s behalf via mail or delivery. While you can serve as your own registered agent, it may be better to outsource the responsibility to a professional company.

To serve as your own registered agent, you must meet the following criteria: 

  • Be at least 18 years of age. 
  • Be available at the listed registered agent address during all regular business hours throughout the year without leaving for sick leave, paid time off or business travel. 

The benefits of outsourcing your registered agent services include the fact that you won’t have to be available in person during all regular business hours to receive documents, you won’t have to list your personal or business address in registered agent public databases and you won’t have to worry about embarrassing legal documents being delivered to your business in front of clients or customers. In the end, hiring a registered agent service protects your flexibility, privacy and reputation. 

Read our best registered agent services guide to find the right service for your business.

3. File your articles of organization

Now that you have a business name and have designated a registered agent, it’s time to officially register your LLC with the state. In preparation to file, gather the following information: 

  • Your company’s name. 
  • Your LLC’s mailing address. 
  • The name of your registered agent. 
  • The street address where your registered agent will be available to receive official documents. 
  • The name and address of each of your LLC’s organizers. 
  • If applicable, an expiration date for your operations. 
  • Whether your LLC is manager- or member-managed.
  • If member-managed, the number of your initial members. 
  • If manager-managed, the names and address of your initial managers. 
  • If member-managed, the names and address of your managing members. 
  • The debts, obligations and liabilities for which your managers or members will be liable. 
  • The signature of at least one of your LLC organizers. 

Use the Hawaii business express website to file your articles of organization. You will find that Hawaii’s department of commerce and consumer affairs (DCCA) has set up a straightforward process to help you file this paperwork online. 

The filing fee is $50; you can pay an additional $25 if you want expedited processing. Hawaii has a general excise tax for all businesses, whether you’re a sole proprietor, corporation or LLC. When you file your articles of organization, you can create your state tax license simultaneously. But if you don’t, it’s perfectly fine to do so later in the process.

4. Obtain an EIN from the IRS

The next step in the process is securing an IRS-issued employer identification number (EIN). An EIN is required to file federal taxes for your business, report employee wages and withholdings, open a bank account, obtain business loans and do other financial tasks. Fortunately, getting an EIN is a quick and free process. 

To apply for an EIN, you must be a responsible party within your LLC. The IRS defines a responsible party as “the person who ultimately owns or controls the entity or who exercises ultimate effective control over the entity.” If you are the responsible party, when you apply for an EIN, come prepared with: 

  • Your Social Security number.
  • Your LLC’s name.
  • Your LLC’s business address. (Depending on where the business operates, this may be the same as your personal address.)
  • Your LLC’s formation date.

You can fill out this paperwork online in 15 minutes or less. Once it’s completed, you’ll immediately be issued a confirmation that includes your EIN. Download and print the confirmation document and keep it with your business records. 

5. Draft an operating agreement

Hawaii doesn’t require you to file an operating agreement with the state, but it’s still an important document that can help you avoid legal headaches further down the line. Here are some benefits of having a signed operating agreement in your business records: 

  • Limited liability protection: An operating agreement not only outlines how your LLC will operate, but it can also further reinforce your limited liability status, protecting your personal assets from future lawsuits. For example, it may state the ownership percentages of each member, thereby limiting their tax obligations to that recorded percentage. 
  • Dispute prevention and resolution: By outlining and having all your members sign your operating agreement, you ensure all members agree on an operating direction, reducing the likelihood of operational-related disputes. In addition, you can refer back to this document to resolve disputes that arise among members. 
  • Legal control: Without an operating agreement, your LLC’s operational policies must align with Hawaii’s default LLC statutes, some of which may contradict your operational needs or wishes. An operating agreement allows your LLC to override these rules.

Your LLC operating agreement should include the following information: 

  • Members’ ownership percentages. 
  • Members’ voting rights and decision-making powers. 
  • Members’ initial contribution amounts. 
  • Your LLC’s management structure. 
  • Your LLC’s bookkeeping and accounting methods and procedures. 
  • How new members can be inducted. 
  • How the LLC can be dissolved. 
  • How profits and losses will be distributed. 

To create an operating agreement, download a basic template for free through LLC formation services like Rocket Lawyer or Northwest Registered Agent . However, we strongly recommend having a business lawyer review the document before your members sign it because this is a legally binding document that could affect the success and continuity of your LLC. Both Northwest Registered Agent and Rocket Lawyer offer legal consultation services to meet this need. 

6. Apply for your Hawaii state tax ID number

If you didn’t file for your state tax license when you filed your articles of organization, do so now. Regardless of structure, all businesses must file form BB-1 and pay a one-time $20 registration fee to get a state tax identification number. You can register online via the Hawaii department of taxation’s “ register new business ” page. Click “BB-1 basic business application” to get started. 

To file, you are required to provide the following information:

  • Your LLC’s EIN. 
  • Your LLC’s legal name. 
  • Your mailing address. 
  • Your LLC’s physical address. 
  • The date of your LLC’s formation. 
  • The state where your business operates. 
  • Your LLC’s accounting year (calendar year or fiscal year ending) and accounting method (cash or accrual). 
  • Your business’s phone number, email address and fax number (if available). 
  • Your LLC’s NAICS number. 

Read the instruction section at the end of the BB-1 PDF form for information on how to obtain this information. 

The general excise tax for all businesses, including LLCs, varies based on the business’s industry and location. Statewide, industry-based general excise taxes include: 

  • 0.15% on insurance commissions.
  • 0.50% on wholesale, manufacturing, producing services and use tax on imports for resale. 
  • 4.00% for all other business activities, including service-based companies. 

The county where your LLC is based also influences your general excise tax rate. “On certain islands, you’ll have projects that will add in a county tax to the general excise tax,” says Zahaby. “On Oahu, we recently built a significant rail system that added to the tax.”

Currently, the additional tax for each county is as follows through 2030: 

  • City and county of Honolulu: 0.50%
  • County of Kauai: 0.50%
  • County of Hawaii: 0.25%

This additional tax only applies if you work in the 4.00% category, not to insurance commissions or wholesale and manufacturing businesses. Currently, there is no additional tax for the County of Maui. 

7. Apply for a business license (if applicable)

Select businesses are required to obtain a Hawaii business license before opening to the public. A good place to explore the requirements for your industry is the professional and vocational licensing section of DCCA’s website. It will direct you to the appropriate government agency for your licensure.

For example, if you’re an accountant, you must file for a Hawaii-certified public account (CPA) license with the Hawaii board of public accountancy. If you’re establishing an LLC for an auto repair shop, you need to apply for licensing with the motor vehicle repair industry board. Licenses do come with additional fees, which vary greatly by industry. For example, CPA licensing filing fees range from $139 to $215, depending on the year in which you file. 

8. File your annual report

You do need to file annual reports to keep your Hawaii business in good standing. Failing to do so for two or more years will result in your LLC’s involuntary dissolution. The purpose of an annual report is to provide current information about your businesstor the public. The fee associated with these filings is $12.50 if you file online or $15 for paper filings. You can pay an additional $25 for expedited service to process your paperwork within one to three days. 

To file your report, you need your business name or file number. You can obtain this number by searching for your business in the Hawaii business express “ search for business and buy documents ” database. Once you’ve selected your business, the information provided will include your file number. In addition, to file your annual report, you must provide the following information: 

  • Your legal business name.
  • Any new trade names or trademarks associated with your business. 
  • Your LLC’s mailing address.
  • Your LLC’s principal office address.
  • The nature of your business (i.e., products or services sold).
  • Your registered agent information.
  • Your managers’, officers’ or directors’ names and addresses.
  • Credit or debit card information to pay the filing fee.

To file your annual report, use the search box on the DCCA business portal to search for your business using its name or filing number. Select your business name and click the button to start your annual report. 

Warning : You should always file your annual report directly with the state. Over the past several years, Hawaiian businesses have been subject to several scam attempts associated with annual report filing requirements. The scam involves a mailed letter related to your Hawaii annual LLC filings that looks official. It reports that you must pay a fee breaching $100 to remain in good standing with the state. 

These scams have been so prolific that the governor issued warnings to small business owners on the island. To avoid being taken advantage of by scammers, do not file your annual report with a third-party company but directly through your own account in the DCCA business portal . 

Find the best LLC services for Hawaii : Best LLC services of 2023 .

Frequently asked questions (FAQs)

No, you cannot set up an LLC for free in Hawaii. To legally establish your LLC, you must file articles of organization and submit a $50 filing fee. You may also choose to reserve your name as you go through the formation process, which costs $10. If you choose to hire a registered agent, expect to pay between $0 to $300 per year, depending on whether you bundle services and the provider’s offerings. Applying for a Hawaii state ID number also costs $20. Finally, additional fees apply for any industry-specific business licenses. 

Hiring an LLC formation company can help you keep costs at a minimum. Many, including ZenBusiness , will help you form your LLC and take care of your registered agent service requirements for one year for free.

Yes and no. All businesses in Hawaii pay a general excise tax, regardless of structure or industry. However, there are no additional taxes for an LLC versus operating as a sole proprietorship. In most cases, like sole proprietors, LLCs are treated as pass-through entities, meaning members pay income tax on revenue earned based on their ownership percentage in the LLC.

Yes, you need a registered agent for your Hawaii LLC. You can serve as your own, but hiring a registered agent service can help you avoid certain obligations and inconveniences, like the requirement to be present at the listed registered agent address to receive documents during all regular business hours throughout the year, with no legal permission to leave the premises for business travel or sick leave.

Yes, Hawaii LLCs do need to file an annual report. Hawaii’s fees are some of the lowest in the nation, dipping as low as $12.50 if you file online. Be sure to file your annual report directly with the state rather than a third-party organization, regardless of what official-looking paperwork you may receive in the mail.

To dissolve an LLC in Hawaii , you must follow the dissolution guidelines in your LLC operating agreement. You must also fill out Form LLC-11 articles of termination . The filing fee is $25, with the option to pay another $25 for expedited services. For this particular form, payment must be made in cash or by a certified check, cashier’s check, money order or credit card.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Brynne Conroy

Brynne Conroy has over 12 years of experience writing about money, with a particular focus on women's finances and small business lending and credit products. Her debut book was an Amazon #1 New Release across multiple categories, and she has been awarded a PEN America grant for the body of her work in the field. Find her bylines on LendingTree, Her Agenda, GoBankingRates, and Business Insider, and features on MSN Money, Jean Chatzky's HerMoney, and Yahoo Finance.

Alana is the deputy editor for USA Today Blueprint's small business team. She has served as a technology and marketing SME for countless businesses, from startups to leading tech firms — including Adobe and Workfusion. She has zealously shared her expertise with small businesses — including via Forbes Advisor and Fit Small Business — to help them compete for market share. She covers technologies pertaining to payroll and payment processing, online security, customer relationship management, accounting, human resources, marketing, project management, resource planning, customer data management and how small businesses can use process automation, AI and ML to more easily meet their goals. Alana has an MBA from Excelsior University.

How to start a small business: A step-by-step guide

How to start a small business: A step-by-step guide

Business Eric Rosenberg

NBC New York

Here's what's open and closed on Presidents Day 2024 and why we celebrate the holiday

Here's a look at what presidents day is, when it takes place and what will be open and closed, published february 16, 2024 • updated on february 17, 2024 at 1:40 pm.

The U.S. is celebrating Presidents Day Monday and while many will be off work for the federal holiday, they'll also be wondering where they can go and what they can do.

Here's a look at what Presidents Day is, when it takes place and what will be open and closed:

What is Presidents Day and why do we celebrate it?

The earliest iteration of Presidents Day dates back to the 1800s, when the life of first U.S. President George Washington was celebrated each Feb. 22, which was his birthday, according to History.com . In 1885, Washington's birthday became the first to be designated as a federal holiday.

Get Tri-state area news and weather forecasts to your inbox. Sign up for NBC New York newsletters.

Then, in 1971, the holiday was moved to third Monday in February as a result of the Uniform Monday Holiday Act, which was designed to give workers a number of three-day weekends throughout the year. According to the National Archives , the position of the holiday between Washington's birthday and Abraham Lincoln's birthday, which was Feb. 12, "gave rise to the popular name of Presidents Day."

Since Lincoln's birthday wasn't a federal holiday, Presidents Day has become a day to honor both presidents.

When is Presidents Day?

U.s. & world.

small business health insurance hawaii

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small business health insurance hawaii

Nazis mingle openly at CPAC, spreading antisemitic conspiracy theories and finding allies

In 2024, Presidents Day falls on Monday, Feb. 19.

What's open and closed for Presidents Day 2024?

Because Presidents Day is a federal holiday, many facilities will be closed.

Banks: Mostly closed

Presidents Day is a holiday for the Federal Reserve Bank, meaning most bank locations will be closed. TD Bank stores will be open, though.

Post office: Closed

Because Presidents Day is a federal holiday, USPS offices will be closed.

UPS: Locations open

UPS says "pickup and delivery services are available," on Presidents Day. The company notes that UPS SurePost and UPS Mail Innovations deliveries "will require one additional business days’ time in transit due to the Federal (USPS) holiday."

The UPS Store locations are open, however.

FedEx: Modified service

Though most routes will operate normally, FedEx says it will employ modified service for FedEx Express and Ground Economy for the holiday.

Schools: Mostly closed

Most schools across the country are closed on Presidents Day, with some districts even having off the Friday before the holiday as well.

Grocery stores: Mostly open

Stores like Trader Joe's, Costco and more have said they will operate regular hours. Check your local store for hours.

Retailers and restaurants: Mostly open

While most government functions will not be operating on Monday, most big box stores and restaurants will remain open.

Many major chains will be offering a number of holidays sales in celebration of the day.

This article tagged under:

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    In 2024, Presidents Day falls on Monday, Feb. 19. What's open and closed for Presidents Day 2024? Because Presidents Day is a federal holiday, many facilities will be closed.