P&C Insurance and HR Services

Mandatory for all Hawaii employers with one or more employees.

Covers medical expenses and lost wages when an employee is injured on the job. No exceptions based on company size or industry.

Bundles commercial general liability and commercial property coverage into one policy, so it's the most common and cost-effective starting point for small and mid-size businesses.

Protects against bodily injury claims, property damage, and business interruption. Most businesses should have this in place before anything else.

Protects your business against third-party claims of bodily injury, property damage, and personal injury.

Required by many landlords, clients, and government contracts.

Essential coverage for any business operating in Hawaii or serving customers and the public.

Covers company-owned vehicles, employee vehicles used on company business, and fleet coverage.

Hawaii law requires commercial auto insurance on all business-owned vehicles.

Personal auto policies typically do not cover business use, so this is a gap that creates significant liability exposure.

Protects against employee claims of wrongful termination, harassment, discrimination, and retaliation.

Hawaii has some of the most employee-protective labor laws in the country. As your team grows, EPLI becomes increasingly important. A single claim can cost tens of thousands in legal defense fees alone, even without a judgment. 

Covers data breach response costs, ransomware recovery, regulatory fines, and third-party liability from a cyber incident. 

Cyber attacks are the fastest-growing business risk, and small businesses are frequently targeted because they often have weaker defenses than large corporations.

Especially important for any business storing employee or customer data. 

• Professional Liability (E&O): protects professional service firms from claims of negligence, errors, or failure to deliver services as promised.
• Directors & Officers (D&O): protects company leadership from personal financial liability in corporate decisions.
• Commercial Umbrella: extends coverage limits above your underlying policies for catastrophic claim protection.

 Identifies your business's loss exposures before they become claims. This includes covering workplace safety programs, OSHA compliance, disaster preparedness, and contract review.

Hawaii businesses face unique risks including natural disasters, tourism fluctuations and island-specific liability exposures.

A proactive risk management program can meaningfully reduce your P&C premium over time.

 Hawaii has some of the most employee-protective labor laws in the nation.

HR Services provide policy development, employee handbook creation, leave management compliance, classification guidance, and employee relations support, reducing exposure from Hawaii's complex regulatory environment for employers of all sizes. 

  Integrated payroll services reduce admin burden, improve accuracy and ensure proper tax withholding. 

Especially important for Hawaii employers simultaneously managing TDI deductions, Workers' Comp premium calculations, and pre-tax benefit deductions.

Fewer moving parts means fewer errors.

HR tracking systems centralize employee records, time & attendance, PTO management, and compliance documentation, providing audit-ready records for DLIR and EEOC compliance.

 A 401(k) plan is one of the most valued benefits for attracting and retaining experienced employees in Hawaii's competitive labor market, and employer matching contributions are tax-deductible. 

 Hawaii requires contractors, construction companies, collection agencies and many licensed businesses to maintain a surety bond as a condition of licensure or to bid on public and private projects.

Our sister agency handles bonding alongside your P&C coverage. One relationship, one point of contact for both.

 We make a personal referral to our licensed sister agency, not a cold transfer. They know your situation before they speak with you. 

Our sister agency handles the P&C or business services engagement directly. Mana stays in the loop so your complete protection picture (benefits and P&C together) is coordinated year over year.