HEMIC Insurance Managers, Inc.

With hurricane season in Hawai‘i running through November 30, now is a critical time to review coverage options and ensure full protection is in place. 

Hurricanes bring a dangerous mix of high winds, wind-driven rain, storm surges, and widespread power outages, which can cause serious and costly damage. Just one storm can disrupt operations for weeks or months.  

Natural disasters like hurricanes and tropical storms rank highly among financially devastating business risks. FEMA reports that Hurricane Iniki, the most powerful and destructive hurricane to strike Hawai‘i, left a trail of devastation resulting in over $1 billion in insured losses.   

In the midst of hurricane season, it’s crucial to understand the risks and how the right coverage can offer peace of mind when it matters most.

2025 Pacific Hurricane Predictions 

NOAA is predicting a below-normal 2025 Central Pacific Hurricane Season. Forecasters predict between 1 and 4 tropical cyclones this season. Although they expect the 2025 hurricane season to be less active than usual, residents and businesses are encouraged to prepare.   

Is Hurricane Insurance Essential for Hawai‘i Businesses? 

In a word, yes. Located in a region vulnerable to hurricanes and severe storms, island businesses face serious risks from wind, rain, flooding, and prolonged power outages. According to FEMA, nearly 1 in 4 companies never reopen after a disaster. The right hurricane insurance can mean the difference between recovery and permanent closure, making it a vital part of any Hawaiʻi business’ risk management plan. 

ICAT: Trusted Hurricane Insurance Built for Business 

Founded in 1998 to meet the needs of small business owners in catastrophe-prone areas, ICAT is an industry leader committed to “fast and fair claims.” As a trusted HIMI partner, ICAT provides comprehensive hurricane coverage for property and business. 

Standard coverage may leave gaps for hurricane damage. ICAT offers Named Hurricane coverage, ensuring financial protection from these powerful storms. Their coverage also extends to business personal property, income loss due to closure, and additional property coverage such as signs and fences. It’s a comprehensive shield against hurricane losses.  

Protect What Matters Most 

ICAT Hurricane coverage may be included on an All Other Perils property policy or as a standalone Hurricane policy.  

ICAT services a range of commercial properties such as offices, services, retailers, restaurants, condominiums, and churches. Agents can request a quote at himiquotes@hemic.com.  

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