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Adams & Associates - Hawaii

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Lahaina, HI
Adams & Associates - Hawaii

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We are a Commercial Insurance broker providing Property & Casualty insurance programs for businesses In addition to insurance products.

We offer business insurance products in the State of Hawaii. We also offer a program called Legal Shield and ID Shield. These services help businesses, their employees and individuals to protect their legal rights to affordable legal assistance when they need it the most.

10/29/2026

If a volunteer is hurt in Suva, who gets the call, and does your board know the answer?

Many organizations have never checked whether their general liability coverage follows their teams overseas. And from Hawaiʻi, every trip begins with hours over open ocean. A different reality from drive-to-risk assumptions.

Travel accident and travel medical coverage may be designed to support medical expenses abroad, emergency evacuation, and 24/7 travel assistance. Coverage subject to policy terms, conditions, and exclusions.

Adams & Associates offers a no-obligation, 15-minute coverage gap review for Hawaiʻi churches and nonprofits. We’ll walk through where your people are protected and where questions remain.

Start the conversation before the trip.

10/28/2026

Flood Watch in effect for all main Hawaiian Islands through late tonight. The National Weather Service in Honolulu reports heavy rain and isolated thunderstorms, with Oahu and Maui County facing the greatest threat. Conditions are expected to improve from the west starting Thursday.

A few simple steps today:

- Move vehicles and equipment to higher ground
- Clear drains and gutters around your property
- Charge phones and back up important files
- Skip flooded roadways entirely, never drive through standing water

If your business takes on water damage, email [email protected] with the name on your policy, your address, best email and phone, and a brief description of the damage. Photos of the damage make claims move faster.

Subject to policy terms, conditions and exclusions.

10/28/2026

Three assumptions worth a second look.

Does your general liability policy follow volunteers overseas? Before departure, make sure your team has discussed medical care abroad, evacuation authorization and family communication.

Organizations can explore group travel accident and travel medical coverage, which may include medical expenses abroad, emergency evacuation and 24/7 travel assistance. Hawaii trips begin with hours over open ocean, so it’s worth reviewing travel plans beyond mainland-style assumptions. Coverage subject to policy terms, conditions and exclusions.

Ask us for the free Travel Coverage Gap Checklist or a 15-minute coverage gap review.

10/23/2026

Before your mission or volunteer team leaves Hawaii, make time for the practical details: a clear point person, written emergency decisions, a reliable communication plan, and destination-specific health and safety preparation.

Bring travel coverage into the conversation, too. Group travel accident and travel medical coverage can be part of trip planning; coverage subject to policy terms, conditions and exclusions.

Ask Adams & Associates about a 15-minute coverage gap review or the free Travel Coverage Gap Checklist.

10/19/2026

Attention Kaua'i small businesses and nonprofits - a new state-funded program offers one-time grants of $5,000 or $10,000 to eligible non-agricultural small businesses and nonprofit organizations that experienced physical damage or economic losses directly caused by the Hurricane Lowell. The program is funded by DBEDT and administered by the Chamber of Commerce Hawaii.

Applications are reviewed first-come, first-served until funding is exhausted. Learn more and apply online at kauaibusinessrecovery.org.

DBEDT is also hosting a free workshop on October 29 at 9 a.m. at the Kaua'i War Memorial Exhibition Center to discuss the grant program and other business resources.

If your organization may be eligible, review the requirements and apply soon.

10/14/2026

This week’s flood watch for Kauaʻi County and East Oʻahu through Thursday afternoon is a timely reminder: flood is generally not covered by a standard property policy.

The National Flood Insurance Program (NFIP) is designed to address that gap. It generally covers direct physical loss from flood as defined by the program (including rising water, surface water and qualifying mudflow) subject to policy terms, limits, deductibles and waiting periods. Actual policy wording controls.

For businesses, commercial flood coverage is typically separate from property coverage. Building and contents may have separate limits; flood-related business income and extra expense are separate considerations, not automatic.

With the ground saturated after exceptionally wet months, routine rain can bring outsized runoff. If it’s safe, clear drains, protect or elevate equipment, inventory and records, move vehicles to higher ground before heavy rain, and document property while it’s dry. Follow local safety guidance.

Before the rain, talk with an insurance professional about whether flood coverage makes sense for your location.

10/13/2026

A little color, a little chocolate, and a reason to celebrate! Happy National M&M Day 🍬🌈

Created in 1941, M&M’s were inspired by candy-coated chocolate carried by soldiers in the Spanish Civil War. They later became the first candy in space, flying aboard the space shuttle Columbia in 1981!

Here’s to the local Hawaii businesses and shop owners who keep our favorite treats close at hand, and to hardworking teams who deserve a sweet break. Enjoy a little island-style aloha today! 🌺

ay

10/12/2026

Today, we’re honoring Hawaii’s farmers: the people whose skill, resilience, and daily work help feed our islands.

From family farms and neighbor-island producers to agricultural nonprofits, every operation runs differently. It’s worth asking whether your farm business insurance reflects how yours actually operates, including property and equipment, seasonal labor and workers’ compensation, vehicles and hauling, visitor or agritourism liability, and crop or livestock exposures where applicable.

Thank you for all you do for Hawaii. Happy National Farmers Day.

10/08/2026

Why is October fire month?

The Great Chicago Fire began on October 8, 1871, and burned into October 10. It destroyed roughly 17,500 buildings across about 2,000 acres. About 300 people died, and around 100,000 residents, out of a city of approximately 300,000-were left homeless.

The fire also overwhelmed the young fire insurance industry. Dozens of small insurers failed and could not pay the claims they had written. An early, hard lesson in why financial strength matters as much as the premium.

The aftermath helped drive stricter building codes, stronger fire-prevention standards, and the modern practice of pricing risk with prevention in mind. Fire Prevention Week is still observed in October to commemorate the event.

For Hawaii businesses and nonprofits: does your commercial property protection reflect your true replacement value and the risk controls you have in place?

Part 1 of 4 | Insurance History Trivia

10/07/2026

The lowest premium can be important. But it isn’t the whole conversation.

The 2026 J.D. Power U.S. Small Commercial Insurance Study found that overall customer satisfaction improved to 713 out of 1,000-up 15 points.

Its clearest signal? The largest satisfaction gap, more than 200 points, came down to whether the insurer and agent genuinely understood the customer’s business.

That matters in Hawaii, where every operation has its own rhythm, responsibilities and priorities.

For a farm, the conversation may center on equipment and seasonal work. For a transportation company, vehicles and routes. For a nonprofit, people and mission.

Industry knowledge makes the conversation more relevant and helps business owners make informed decisions.

Talk with a Hawaii agency that works with your industry every day.

Source: 2026 J.D. Power U.S. Small Commercial Insurance Study

Address

Lahaina, HI

Opening Hours

Monday	9am - 4:30pm
Tuesday	9am - 4:30pm
Wednesday	9am - 4:30pm
Thursday	9am - 4:30pm
Friday	9am - 4:30pm

Telephone

+18087579464

Website

https://linktr.ee/adamsassociates

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