Estimated Cost (2026)
Adjust based on your team size
Just me (1)Team (20)
$1591-$2340
Estimated Annual Premium
Monthly Average Breakdown
$156 / mo
Includes General Liability
Industry Risk Profile
Electrical work carries a higher risk of fire and severe property damage, typically requiring higher coverage limits and premiums.
Risk Factor1.8x
Location Factors
- State Base Rate$1000
- Honolulu Multiplier1x
- State Tax Rate4.0%
Local Compliance FAQ
Is General Liability required in Honolulu?
While Hawaii law may not mandate it for all businesses, Electricians often need proof of insurance to bid on local commercial projects in Honolulu.
Why is the rate different here?
Your premium reflects Hawaii's specific base rate of $1000 and a local city multiplier of 1x.
Compare Electrician Insurance in Other Hawaii Cities
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