Hawaiicontractor insurance & bonding requirements
Updated April 2026 · Source: HI DCCA Contractors License Board §HRS 444
Minimum requirements
- General liability
- $1,000,000
- Auto liability
- $500,000
- Workers' comp
- Required for crews
Licensed general contractors in Hawaiicarry commercial insurance so that if a crew member gets injured on-site, a homeowner's appliance is damaged during demo, or a neighboring property suffers an impact from construction, the contractor's policy (not the homeowner's) pays the claim. AskBaily does not match homeowners to contractors below these minimums.
Financial responsibility statement required; no fixed bond.
Common questions
What insurance does a Hawaii general contractor need?
A Hawaii general contractor needs at minimum $1,000,000 general liability coverage plus $500,000 auto liability. Workers' compensation insurance is required for crews. Per HI DCCA Contractors License Board §HRS 444.
How much is the surety bond for Hawaii contractors?
Hawaii does not require a state-level surety bond for general contractors. Financial responsibility statement required; no fixed bond.
Who is the licensing authority in Hawaii?
HI DCCA Contractors License Board §HRS 444 is the authority for Hawaii contractor oversight. Public license lookup is available at https://cca.hawaii.gov/pvl/boards/contractor/.
How does AskBaily verify contractors in Hawaii?
AskBaily runs automated verification against HI DCCA Contractors License Board §HRS 444 before a contractor is matched to a homeowner project. The pro's license number is validated live at signup.
What happens if a contractor doesn't carry the required insurance?
Underinsured contractors are removed from the AskBaily match pool immediately. A homeowner who hires an unlicensed or underinsured contractor in Hawaii can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under HI DCCA Contractors License Board §HRS 444. That's why AskBaily's policy is to match only verified pros.
Nearby jurisdictions
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