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 eight decades. 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, ensuring continuous protection. This commitment to excellence is evidenced by our 97% client retention rate, reflecting the trust and satisfaction of our clientele. In 2024, we strengthened our capabilities by joining forces with Atlas Insurance Agency, another Hawaii-based firm with 90+ years of local experience. This partnership expands our resources, market presence, and ability to serve diverse industries across the state.Our team of seasoned professionals specializes in tailoring solutions for unique risks, from specialized liability policies for unconventional operations to comprehensive coverage for agricultural transitions. With deep expertise in state regulations and insurance markets, we prioritize understanding clients' specific needs to provide precise, cost-effective protection. Our approach combines technical knowledge with personalized service, ensuring businesses can focus on their core operations with confidence. This legacy of reliability and client-centric focus continues to define our approach to risk management solutions.
Services
Condo Association Insurance
Restaurant Insurance
Contractors Insurance
Professional Firms Coverage
Visitor Activities Insurance
Retail Store Protection
Agricultural Insurance
Non-Profit Insurance
Details
- Year established: 1931
Highlights and features
- We offer 80+ years of specialized expertise in Hawaii's commercial insurance market
- Our proactive account management adapts swiftly to changing business environments
- 97% client retention rate demonstrates consistent delivery of reliable solutions
- Local knowledge combined with access to major insurance providers across Hawaii
- Personalized service prioritizing clients' specific risk management requirements
What people say
Exceptional service
Knowledgeable agents
Prompt responses
Tailored solutions
Trustworthy
Services
Condo Association Insurance
Specialized insurance solutions for condominium associations addressing state law compliance and unique property risks. Our policies cover structural damage, liability claims, and common area protections while considering the specific needs of association-managed properties. This coverage helps associations maintain financial stability while meeting legal requirements and protecting residents' interests.
Restaurant Insurance
Comprehensive protection for food service operations including liability coverage for off-site events, property damage, and business interruption. We create customized policies addressing liquor liability, foodborne illness claims, and specialized equipment protection while adapting to evolving operational needs like expanded service offerings.
Contractors Insurance
Tailored risk management solutions for construction professionals covering general liability, workers' compensation, and project-specific bonding requirements. Our expertise includes securing difficult-to-place bonds and adapting coverage for specialized contracting activities while ensuring compliance with Hawaii's regulatory environment.
Non-Profit Insurance
Customized protection plans for non-profit organizations addressing liability risks, property coverage, and specialized program needs. We help maintain continuity for critical community programs by providing insurance solutions that support mission-critical activities while managing financial exposure.
Agricultural Insurance
Specialized insurance products for agricultural operations including crop protection, greenhouse coverage, and equipment insurance. Our solutions adapt to changing agricultural practices and provide comprehensive protection for both traditional and innovative farming enterprises across Hawaii's diverse growing environments.
People
Michel Vinet
Director
With extensive leadership experience, Michel oversees strategic direction while maintaining focus on client satisfaction and service excellence across the agency's operations.
Melinda Gibbs
Chief Operating Officer
As COO, Melinda manages day-to-day operations ensuring efficient service delivery while maintaining the agency's commitment to personalized insurance solutions.
Robert Ale
Vice President
With over 40 years of experience, Robert provides expert insurance guidance to businesses across industries, combining deep market knowledge with personalized client service.
Tom Allen
Vice President
Specializing in business insurance solutions since 2005, Tom delivers tailored coverage options while maintaining a client-first approach to risk management.
Pamela Aole'a Varma
Vice President
With 30+ years of experience, Pamela provides expert insurance counsel to Hawaii businesses, known for her responsive service and comprehensive understanding of client needs.
Questions
What types of businesses do you insure?
We provide coverage for diverse industries including agriculture, hospitality, professional services, non-profits, retail, and specialized operations across Hawaii.
How do you handle unique insurance requirements?
Our team specializes in creating customized policies for unconventional risks, such as event liability for off-site restaurant activities or specialized coverage for exotic operations.
What sets you apart from other insurance agencies?
With 80+ years of Hawaii-specific expertise and access to major insurers, we combine local market knowledge with personalized service to deliver precise solutions.
How do you assist with claims processing?
We provide dedicated support throughout the claims process, advocating for clients and ensuring timely resolution of insurance claims.
Can you help with business expansion insurance needs?
Yes, we adapt coverage as businesses grow, including adding new locations, expanding services, or transitioning operations.
How can I get a quote?
Contact us directly via phone or email to connect with a specialist who will assess your specific insurance requirements.
