Local Lihue, Hawaii insurance coverage that fits your family & business needs, with a team that knows your name.
Home, hurricane, and flood insurance in Lihue, Hawaii
Lihue is the county seat and commercial center of Kauai, home to Lihue Airport, Nawiliwili Harbor, and Kauai Community College, on the island's southeast shore below Kalepa Ridge.
Hurricane Iniki and separate hurricane coverage
Hurricane Iniki (1992) was the most powerful hurricane to strike Hawaii in recorded history, damaging or destroying thousands of homes across Kauai. Many Hawaii homeowners policies still exclude hurricane, so we quote hurricane coverage separately so there is no gap.
Record rain and flash flooding
In April 2018, Kauai saw record rainfall, with nearly 50 inches in 24 hours on the north shore, and streams across the island can flood quickly in heavy rain. A standard home policy excludes flood, so we quote flood insurance for homes near Nawiliwili Stream and low-lying areas.
Harbor businesses and island drivers
We insure businesses near Nawiliwili Harbor and Kukui Grove, write boat insurance for boats kept at the harbor, and write auto insurance for drivers on Kaumualii and Kuhio highways.
Your insurance team for Lihue, Hawaii
We work with Lihue households and business owners, and also serve nearby Kapaa, Hanamaulu, Puhi, Koloa, and Wailua, along with communities across Hawaii.
Bundle home, auto & umbrella.
Bundling opens up more carriers, more coverage options, and better rates. We’ll stack every discount you qualify for.
On the road (and the water)
Daily drivers, weekend toys, and everything with a motor or a sail.
Under your roof
Owners, renters, landlords, and the place you’re still building.
Everything else that matters
The people, pets, and treasures you’d never want to replace.
Protection for every side of your business.
Every business is different. We partner with you to build a clear insurance and risk plan that lowers risk, manages cost, and lets you move ahead with confidence.
General Liability
Covers injuries on your premises and business activities that damage someone else’s property. Same-day coverage available.
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Business Owners Policy
An affordable way to bundle general liability and commercial property insurance into one policy.
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Commercial Auto
Covers vehicles used for business, like delivery trucks or service vans, including accident liability and physical damage.
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Workers’ Compensation
Required by law in most states. Covers medical bills, lost wages, and rehab costs for on-the-job injuries.
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Cyber Liability
Helps pay data breach costs, including legal fees, customer notifications, and credit monitoring for anyone affected.
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Professional Liability
Also called E&O. Covers claims from professional errors, negligence, or malpractice.
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Commercial Property
Protects your building, inventory, furniture, equipment, and fixtures from fire, theft, vandalism, and natural disasters.
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Builders Risk
Protects structures under construction from fire, theft, and vandalism, plus on-site materials, equipment, and supplies.
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Don’t see your business? Tell us what you do.
Elye exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals.
Michael Urbano · Founder, Elye Insurance
Your trusted insurance advisor in Lihue, Hawaii providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Lihue, Hawaii.