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Insurance for Business

BUSINESS INSURANCE BASICS
What does a businessowners policy cover? | Are there different types of business insurance? | How can I insure my home-based business? | Do I need business interruption insurance? | Are there any disasters my property insurance won't cover? | How can I disaster-proof my business? | How do I file a business insurance claim? | Do I need workers compensation insurance?

BUYING A POLICY & SAVING MONEY
How can I save money on my business insurance? | How do I insure my home business? | What is an Audit, and when will I get one?

ADDITIONAL COVERAGES
Can I insure the life of a key employee? | Do I need professional liability insurance? | Do I need a commercial auto policy? | What is employment practices liability insurance (EPLI)? | What does kidnap and ransom insurance cover?

COMMERCIAL BOATS / MARINE CARGO
How can I insure my Commerical Boat? | Are there different types of Commerical Boat Insurance? | What about cargo my business ships by boat?

Builders & Developers

BUILDERS INSURANCE BASICS
What is Builder's Risk Insurance? | What are Installation Floaters? | What are Wrap Up Programs (OCIP's)

BUYING A POLICY & SAVING MONEY
How can I save money on my business insurance? | How do I insure my home business? | What is an Audit, and when will I get one?

ADDITIONAL COVERAGES
Can I insure the life of a key employee? | Do I need professional liability insurance? | Do I need a commercial auto policy? | What is employment practices liability insurance (EPLI)? |

Community Association Insurance

Key elements of the association insurance program | Property Insurance | Liability Insurance | Income Insurance | Personnel Insurance

Homeowners Insurance

HOMEOWNERS INSURANCE BASICS
What is in a standard homeowners insurance policy? | Are there different types of policies? | What type of insurance do I need for a co-op or condo? | Does my homeowners insurance cover flooding? | What type of disasters are covered? | Can I own a home without homeowners insurance? | What is renters insurance? | How do I take a home inventory and why?

BUYING AND SAVING MONEY
Do I need separate coverage for jewelry? | How much homeowners insurance do I need? | How much will it cost? | How can I save money? | What information do I need to provide to my agent? | How often should I review my policy? | Should I purchase an umbrella liability policy?

HELP! I HAVE TO FILE A CLAIM
How do I file a homeowners claim? | How does the payment process work? | How is the settlement amount determined? | What is a public adjuster? | How can I avoid scams after a disaster?

HOMEOWNERS SAFETY TIPS
Dog bite liability | Grilling safety | Home security | Lawnmower safety | Pool safety | Protecting your house from mold | Protecting your bike from theft | Remodeling your home

Life & Health Center - Life Insurance

LIFE INSURANCE BASICS
Why should I buy life insurance? | How much life insurance do I need? | What are the principal types of life insurance?
How is life insurance sold? | What is a beneficiary?

TYPES OF LIFE INSURANCE
What are the types of term insurance policies? | What are the types of permanent insurance policies? | Why should I purchase permanent insurance?

BUYING AND SAVING MONEY
How should I choose what type of life insurance to buy? | How do I pick a life insurance company? | How can I save money on life insurance?

SPECIAL BUYING SITUATIONS
What is “burial insurance”? | Should I buy life insurance on my child’s life? | Do "empty nesters" need life insurance?

KEEPING YOUR LIFE INSURANCE CURRENT
How should I organize and store my life insurance records? | How often should I review my policy?

HELP
If I can’t pay my premium, what should I do? | How do I file a life insurance claim? | How can I locate a lost life insurance policy? | Where can I get additional information on life insurance?

Life & Health Center - Health Insurance

HEALTH INSURANCE BASICS
What kinds of health insurance are there? | How do I pick a health plan? | Can I buy an individual policy? | If I change jobs or become unemployed, can I bring my coverage with me? | Where can I get more information regarding health insurance?

Life & Health Center - Annuities

ANNUITIES BASICS
What is an annuity?
Why should I consider purchasing an annuity? | How are annuities different from life insurance? | How much should I invest in an annuity? | What is a "free-look" provision? | What are surrender fees? | How will I receive my annuity payments?

TYPES OF ANNUITIES
What are the different types of annuities? | What is the difference between a fixed and variable annuity? | What are deferred and immediate annuities? | What is a lifetime annuity?

HELP
How often should I review my annuity portfolio? | What if I lose my annuity policy? | Where can I get additional information on annuities?

Life & Health Center - Disability Insurance

DISABILITY INSURANCE BASICS
How can I insure against loss of income? | What are the types of disability insurance? | How can I purchase disability insurance? | How are disability premiums determined? | How can I save money? | Will my employer provide disability coverage? | Where can I get more information?

Insurance for Cars & Boats

AUTO INSURANCE
What is auto insurance? | What is covered by a basic auto policy? | Can I drive legally without insurance? | What if I lease a car? | Do I need insurance to rent a car? | Is there a difference between cancellation and nonrenewal?

BUYING A POLICY & SAVING MONEY
How can I save money? | How much coverage do I need? | What determines the cost of my policy? | What information do I need to give to my agent? | What can I do if I can't find coverage? | How do I insure my teenage driver? | Should I purchase an umbrella liability policy? | Will my insurance cover a rental car after an accident?

HELP! I HAVE TO FILE A CLAIM
How do I file a claim? | If I file a claim, will my premium go up? | How are the value of my car and the cost of repair determined? | What are my rights when filing a claim? | Can my insurance company require me to use certain types of auto repair parts?

SAFETY TIPS
Shopping for a Safe Car | Teenagers & Safe Cars | Air Bag Safety | At the Scene of an Accident | Car Breakdown Safety | Child Safety Seats | Cell Phones & Driving | Road Rage | Elderly Drivers | Preventing Carjacking / Theft | Driving in Bad Weather

MARINE INSURANCE
Commercial boats, personal use boats and other personal watercraft | Commercial Marine Insurance | Ocean Cargo

Portions courtesy of and © Insurance Information Institute (www.iii.org)	Copyright © 2001-2008 Aloha Insurance Services, Inc. Kailua Kona, HI All rights reserved.
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*In Kona...* 75-5931 Walua Road Kailua Kona, HI 96740 Phone: 808-334-0044 Fax: 808-334-0115 Toll Free: 800-483-0333		*In Kailua...* Pali Palms Business Plaza 970 N. Kalaheo Ave., Ste A203A Kailua, HI 96734 Phone: 808-254-1818, Fax: 808-254-2121