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  • Commercial Auto Insurance Minimum Requirements in Hawaii

    HI Commercial Auto Insurance Minimum Requirements &In-State-Name&

    To drive your commercial vehicle, you must prove your financial responsibility by having adequate insurance on your vehicles.

    Ways to Establish Financial Responsibility

    The state requires auto insurance; there is no other option for proving financial responsibility.

    Determine Whether You Need Commercial Insurance

    If you run a business that uses vehicles, you’re likely considering purchasing a commercial auto insurance policy. Think about:

      • How many and what kind of vehicle(s) you need to insure
      • How the vehicle(s) is being used
      • Who drives the vehicle(s)
      • Who owns the vehicle(s)

    If you own a single car that only you use to drive around for your business, you might only need a private-vehicle policy. But if you have employees who use the vehicles on your company’s time, you should look into commercial policies to make sure you have enough coverage to protect the business.

    If you need more help determining whether you need commercial or private insurance, contact your local officials.

    Determine the Required Amount of Coverage

    When you contact an insurance company to discuss what sort of coverage you need, they will ask you:

      • Who owns the vehicle(s)
      • Weight of the vehicle(s)
      • Usage of the vehicle(s)
      • Liability limits requirements

    Purchase a Commercial Policy

    Like for most other items, shopping around for a commercial insurance policy can pay off. Get more than one quote and compare what the insurance providers say about how much coverage you need and the costs.

    Compare Commercial Insurance Rates in 3 Steps

    1. Enter Your Zip:

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