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615 Piikoi St, Suite 1717
Honolulu, HI 96814

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Commercial Insurance and Fleets: Understanding Your Choices When Covering Your Vehicles

Some businesses rely on vehicles to provide services and get employees from customer to customer. As such, you’re going to need commercial auto insurance. But what should you be looking for when it comes to commercial auto insurance, and what do you need to evaluate for a policy that covers your needs? Let’s take a look at your options. Once you’re ready to begin shopping, visit us at Innovative Insurance Resources, serving Honolulu, HI, to get the support you need. We’ll help you find a commercial insurance policy quickly and easily.

What to Consider When Shopping for Commercial Insurance for Your Vehicles

Shopping for commercial auto insurance is like shopping for regular auto insurance, with a few exceptions. When shopping for commercial auto insurance, be sure to consider available add-ons to customize your coverage. For example, if your vehicle has custom paint or a wrap, consider adding custom equipment coverage to protect it. If you use vehicles that you don’t own, such as rentals or employees who drive their own cars for business purposes, consider adding hired and non-owned auto coverage. For business owners, additional safety features can prove essential to improving transportation logistics and security, which could impact your auto policy premiums. Another key consideration is how many vehicles you’re covering. If you only need one or two vehicles, a single policy should cover them. If you have an entire fleet of vehicles, you’ll need specialized commercial auto insurance or fleet insurance. Keep all of the above in mind when you begin shopping for commercial auto insurance for your business.

Discover the Right Insurance Policy With Innovative Insurance Resources

Innovative Insurance Resources serving Honolulu, HI, is here to help you with all of your commercial insurance needs. We’ll eliminate the difficulty that comes with finding commercial insurance options so that you can get the coverage you deserve with ease. Get in touch with us now to get started!

Is Flood Insurance Included in Standard Home Insurance Policies in Honolulu?

As a homeowner in Hawaii, it’s important to know that flood insurance is not standard in traditional policies. This is vital, as Hawaii is home to many natural disaster risks and potential floods. Although high-risk areas have at least a 1% chance of flooding, the peace of mind of flood insurance is priceless. At Innovative Insurance Resources in Honolulu, HI, we work with clients to ensure maximum coverage for their homes, year-round.

Am I at Risk?

Hawaii has plenty of natural disasters, making it critical for homeowners and tourists alike to remain vigilant year-round. Throughout the Hawaiian islands, there are high-risk areas, moderate (to low-risk) regions, and undetermined risk areas. The State of Hawaii Department of Land and Natural Resources Engineering Division provides a Flood Hazard Assessment Tool, or FHAT, to help those located in Hawaii determine their personal flood and disaster risk.

Flood Insurance is Separate

Unfortunately, a typical homeowner’s insurance policy does not provide flood insurance. However, it is possible to find a separate flood insurance policy via the National Flood Insurance Program, or NFIP. Flood insurance may also be obtained by working with private providers. Remember, there may be a 30-day waiting period (unless your selected policy is purchased at the same time as the closing of your new home). Flood insurance helps cover physical damage to your property and the replacement costs of lost damages.

Flood insurance in Honolulu, HI is imperative, whether you’re protecting your main home or a vacation property. At Innovative Insurance Resources, we’ll work with you to review your flood insurance policy options, coverage needs, and protection guarantees so you can maintain your sense of security. Contact us today to learn more about flood insurance for your Hawaii home or investment.

Partner Carriers


  • Crum & Forster
  • DTRIC
  • First Insurance Company of Hawaii
  • HDS
  • HEMIC
  • Island Insurance Co.
  • Kaiser
  • Pacific Guardian Life
  • UHA