Let's Talk First

What General Liability Insurance Covers

If you own a business, you may have been told you need general liability insurance. Hopefully, you purchased coverage and now have the protection you need. But you may be wondering what, exactly, that protection entails. What does general liability insurance protect you from?

Here’s a look at what this important product covers.

Commercial Insurance for Creative Businesses

You may be a creative genius, but you still need some business smarts. Risk management is a key part of business success, and just like businesses in other industries, creative businesses need protection.

Learn the Sounds of Fire Safety

Is there a beep or a chirp coming out of your smoke alarm? Do you know what it means?

10 Tips for Protecting Your Home While You're on Vacation

Are you planning a vacation? According to a Travel Leaders Group survey, about 70% of U.S. and Canadian respondents plan to take a vacation in 2021. Whether you’re going on a summer vacation, a holiday getaway, or a family gathering, you’ll be leaving your home unattended. Make sure it’s protected while you’re gone.

FICOH Associates Go Hiking

Our Wellness Ambassador Committee (WAC) plans fun challenges to keep our associates engaged and active throughout the year.

This month, they organized FICOH’s first-ever quarterly hike. Associates were encouraged to put on their FICOH swag and enjoy a hiking day with family and friends. They went all over the island, from Makapuu to Byodo-In Temple.

Six Tips for Insuring Your Second Home or Vacation Home

Do you have a family vacation home or a second home? Just as you need homeowners insurance for your main home, you also need coverage for your vacation home – but the details might be a little different. Here are six tips for insuring your vacation home.

Back to School Tips for Hawaii Drivers

With thousands of students going back to school in Hawaii this month, you can expect more cars on the road. Stay zen behind the wheel by following these tips.

7 Factors That Influence How Much You Pay for Car Insurance

Safe drivers pay less for auto insurance. Right? Theoretically, yes, but auto insurance premiums can be impacted by many factors that go beyond the policyholder’s driving record. Exactly which factors are used varies, both because of differences in insurers’ underwriting formulas and because of state laws that restrict how car insurance companies can determine rates. Hawaii has some of the strictest anti-discrimination auto insurance laws in the country.

Here’s a look at what auto insurance can use to calculate rates in Hawaii and other places.

How to Protect Your Company from Cyberattacks

The COVID-19 pandemic has brought about many changes in many areas, including cybercrime tactics. As many companies shift to permanent remote work and hybrid work-from-home models, they must find ways to ensure their sensitive business information is protected. Here are some ways you can reduce your company’s risk of falling victim to a cyberattack.

What's an Independent Insurance Agent and Why Does it Matter?

Not all insurance agents work the same way. In addition to classifying agents by the type of insurance they sell – property & casualty versus life & health, for example – agents can also be classified as either captive or independent. The arrangement makes a big difference in terms of how agents operate and the options they provide to their clients.

Ecommerce Business Insurance: Five Key Protections to Consider

Your online company might have more exposures than you realize. Do you have the right ecommerce business insurance? From cyberattacks to slander, the risks are numerous – and without the right insurance, costly claims can drive an entrepreneur out of business.

Seat Belts for Dogs: Crazy or Crucial

Most dogs love sticking their heads out car windows. It’s the ultimate freedom … taking in all the sights, sounds and smells with fur, ears and jowls flapping in the wind! 

FICOH Associates Participate in National Walk at Lunch Day

Earlier this month, FICOH associates participated in National Walk at Lunch Day. Associates working in the office and from home put on their walking shoes and FICOH swag for brisk walks during their lunch breaks.

How to Protect Your Home from Water Damage

Did you know that water damage, not fire, is the leading cause of loss for homeowners in Hawaii? Compounding the issue is the advanced age of many Hawaii homes and condominiums, where failure to repair aging or compromised plumbing fixtures for supply and waste lines can lead to devastating losses.

Understanding Hurricane Deductibles

The next hurricane season is right around the corner. Will you be ready?

Don’t wait until the first storm forms. Review your insurance coverage as soon as possible. In addition to making sure you have enough coverage, check your deductibles.