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Real estate carries the largest property-loss tail of any industry — a single weather event can exhaust a year of EBITDA. Beyond the building itself, every tenant relationship, every rental application, every common-area incident creates liability exposure. The line that surprises owners is fair-housing / discrimination claims. They're routinely underinsured.
Below is that profile under Hawaii rules: West perils, state statutes, and the market structure built around them.
The exposures that hit this class hardest, drawn from analysis of mid-market accounts. The structural ones cost more than the premium-driven ones.
Full industry deep-dive: Commercial insurance for Real Estate & Property Mgmt →
The perils and statutes that change how real estate & property mgmt coverage must be structured here, before any quote means anything.
Full state guide: Business and commercial insurance in Hawaii →
The lines ARIA recommends for a well-structured program in this industry, in the order they typically attach.
The core stack for real estate & property mgmt typically starts with Commercial Property w/ blanket limits and stated values, Wind / Named Storm endorsement (coastal only), Flood (NFIP + excess private), Commercial General Liability w/ tenant-discrimination AI, structured in that order. Workers' compensation is required from the first employee, and Hawaii additionally mandates temporary disability insurance and health coverage under the Prepaid Health Care Act for eligible employees. ARIA reads your operation against both the industry profile and Hawaii specifics before any quote is requested.
Hawaii asks more of employers than the mainland does: workers' compensation from the first employee, temporary disability insurance for off-the-job injury and illness, and employer health coverage under the Prepaid Health Care Act for eligible employees. Mainland employers expanding here routinely miss the second and third.
For the industry itself: replacement-cost shortfall + coinsurance. Construction inflation has outpaced policy limit increases for most owners. A total loss can trigger 20-30% coinsurance penalties because the policy limit no longer represents 80% of replacement cost. Layered on top in Hawaii: hurricane and lava-zone exposure. Iniki remains the benchmark for what a direct hit does to an island economy, and lava zones on Hawaii Island carry their own underwriting map. Hurricane deductibles, flood layering, and zone-aware placement are the standing requirements.
ARIA pre-loads the real estate & property mgmt exposure profile with Hawaii perils and statutes layered on. Top risks, the stack that answers them, and the carriers in appetite for your class here.
Nothing binds until a licensed Risk Strategist signs the placement
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