Business Details
50+ Years
experience
Your Trusted Commercial Insurance Partner in Hawaii
Founded in 1931, Insurance Factors has served as a leading commercial insurance agency in Hawaii for over 80 years. Our mission centers on delivering customized insurance coverage at competitive prices while maintaining an unparalleled level of service. Through a proactive, hands-on approach to account management, we swiftly adapt to changes in clients' business environments. Our 97% client retention rate reflects the trust and satisfaction of our clientele. In 2024, we strengthened our resources and market presence by partnering with Atlas Insurance Agency, another Hawaii-based firm with 90+ years of local expertise. Our team prioritizes understanding each client's unique needs, ensuring comprehensive protection across diverse industries, from condo associations to non-profits. This commitment to personalized service has earned us long-term relationships with businesses, including multi-generational family operations.We maintain strong partnerships with major insurance providers across Hawaii, enabling us to secure optimal coverage solutions. Our professionals hold industry-recognized certifications, including CIC and CPCU designations. Client testimonials consistently highlight our responsiveness, expertise, and ability to navigate complex insurance requirements. We specialize in niche areas like visitor activities insurance and cyber liability coverage for e-commerce. Our local knowledge and market relationships allow us to deliver tailored solutions that national agencies cannot match. This combination of experience, resources, and personalized attention defines our approach to commercial insurance.
Services
Condo Association Insurance
Restaurant Liability Coverage
Contractor Bond Services
Professional Firms Insurance
Visitor Activities Insurance
Retail Cyber Liability
Agricultural Coverage
Non-Profit Insurance
Details
- Year established: 1931
Highlights and features
- We offer 80+ years of Hawaii-specific insurance expertise
- Our 97% client retention rate demonstrates exceptional service consistency
- We maintain exclusive partnerships with major local insurers
- Our team holds advanced industry certifications (CIC, CPCU)
- We provide specialized coverage for unique Hawaii business needs
What people say
Prompt responses
Knowledgeable agents
Trustworthy partners
Excellent service
Best rates available
Services
Condo Association Insurance
Our specialists provide comprehensive insurance solutions for condo associations, combining deep understanding of Hawaii state law with access to specialized insurance markets. We ensure proper coverage for common areas, liability protection, and risk management education tailored to association needs. Clients benefit from our long-standing relationships with insurers that understand Hawaii's unique property risks.
Restaurant Liability Coverage
We offer customized liability policies for restaurants and related businesses, including special event coverage for off-site activities. Our solutions address liquor liability, food safety concerns, and cyber liability for online operations. With Hawaii's tourism-driven dining industry, we provide protection that adapts to changing business models while maintaining cost-effectiveness.
Contractor Bond Services
Our team specializes in securing bonds and insurance for construction professionals across Hawaii's islands. We handle complex requirements for developers, specialty contractors, and subcontractors, including green building projects. Our rapid response time and local market knowledge enable clients to meet tight deadlines while ensuring comprehensive coverage for equipment, liability, and workers' compensation.
Non-Profit Insurance
We provide tailored insurance solutions for Hawaii's non-profit organizations, including specialized coverage for unique programs like maritime rehabilitation initiatives. Our policies address liability protection, directors' and officers' coverage, and property insurance while considering the specific risks associated with community-based operations and volunteer activities.
Visitor Activities Insurance
Our team creates customized insurance solutions for Hawaii's unique visitor-related businesses, including exotic marine operations and cultural activities. We address liability concerns for high-risk or unusual activities while maintaining affordability. This specialized coverage helps businesses comply with state regulations while protecting against location-specific risks.
People
Michel Vinet
Director
Michel leads our team with extensive insurance expertise, maintaining direct client relationships while overseeing strategic operations. His leadership ensures consistent service quality across all client accounts.
Melinda Gibbs
Chief Operating Officer
Melinda manages daily operations, ensuring efficient service delivery across Hawaii. With deep institutional knowledge, she maintains our commitment to personalized insurance solutions.
Robert Ale
Vice President
Robert has served clients since 1983, combining insurance expertise with local business knowledge. His long-term relationships demonstrate our agency's commitment to continuity and trust.
Pamela Aole'A. Varma
Vice President
Pamela provides expert insurance guidance with 25+ years of experience. Clients praise her responsiveness and ability to secure optimal coverage solutions for complex business needs.
Karen Cielo
Vice President
Karen has served Hawaii businesses since 1993, earning recognition for her personalized approach. Her clients highlight her advocacy during challenging insurance claims and business transitions.
Questions
What types of businesses do you insure in Hawaii?
We provide coverage for restaurants, contractors, professional firms, non-profits, retail stores, agricultural operations, and unique visitor activities across all Hawaiian islands.
How do you handle specialized insurance needs?
Our team leverages 80+ years of local experience to create customized solutions for unique risks, including marine operations, greenhouses, and event-based businesses.
Can you help with insurance for new business ventures?
Yes, we proactively adapt coverage to business changes, such as expanding sales channels or adding new services, ensuring continuous protection.
What makes your agency different from national insurers?
Our local expertise, personalized service, and deep market relationships allow us to deliver tailored solutions that national agencies cannot match.
How do you handle insurance claims?
We advocate for clients throughout the claims process, leveraging our relationships with insurers to ensure fair and timely resolution of claims.
Do you offer multi-policy discounts?
While we prioritize proper coverage over discounts, our clients benefit from competitive pricing through our exclusive insurer partnerships.
Reviews (3)
Minoo Elison
Nov 12, 2020
Report
Insurance Factors has taken care of our family businesses for over 30 years. Melinda makes sure I'm saving money and protected from all the events that business life in Hawaii throws at you. Having a solid team of responsive professionals looking out for my best interest, it doesn't get better! Mahalo Valerie, Williet and Melinda from Insurance Factors for taking care of our insurance needs over the years, so we can take care of our clients for years to come.
Nancy Emerson
Nov 05, 2018
Report
Would like to share about Insurance Factors and their wonderful, helpful and quick service over the last 25+ years. I have been in business in Hawaii since 1980 and I have only had carrying people on board to give me the best service! Mahalo to you all!
Brian Crawford
Jul 26, 2018
Report
Unbelievably poor service. Delays, non response and excuses. I've been a customer for twenty years and feel like I'm being treated like dirt. At our height we had 150 employees and 5 million in revenue. We've given them well over $100,000 in premiums and next to zero in claims yet nothing but push back and high premiums. Seriously?
