Amelotte Insurance Service

Insurance, Annuities & Retirement Insurance Plans, Auto Insurance

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Amelotte, Peter - Amelotte Insurance Svc

Amelotte Peter

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Insurance, Annuities & Retirement Insurance Plans, Auto Insurance, Boat & Marine Insurance, Business & Commercial Insurance, Flood Insurance, Health Insurance, Homeowners Insurance, Liability & Malpractice Insurance, Life Insurance, Motorcycle Insurance, Renters Insurance, Travel Insurance, Workers Compensation & Disability Insurance

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Phone: (808) 960-1406

Address: 73-1251 Melomelo St, Kailua Kona, HI 96740

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Amelotte Insurance Service

Auto Insurance
If you own a car, auto insurance is not just an optionâ€”it is a legal necessity. And you wouldn’t want it any other way. If you are involved in an accident or have your car stolen, owning the right kind of auto insurance can help to ease a difficult situation. The information below will provide some answers and help you ask the right questions in order to find the most appropriate solutions.
Motorcycle Insurance
Many companies offer discounts from 10-15% on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. Itâ€™s also a good idea for cyclists who have already had accidents.
Boat Insurance
We represent quality, knowledgeable commercial vessel insurers, and we can help you customize a commercial boat insurance policy to best protect your needs for your vessel and your business. As the vessel owner, you are ultimately responsible for anything that happens aboard your vessel..

Renters Insurance
Under a homeowners or renters insurance policy, most companies provide limited coverage for property damage for small boats, such as canoes, and small sail boats or small power boats with less than 25-mile-per-hour horse power. Coverage may be around $1,000 on up to closer to 10% of the homeâ€™s property value and generally includes the boat, motor and trailer combined. Liability coverage is typically not includedâ€“but it can be added as an endorsement to a homeowners policy. Check with your Aloha Insurance representative to find out if your boat is covered and what the limits are. Jet skis and wave runners require a separate boat insurance policy. The size, type and value of the craft and the water in which you use it factor into how much you will pay for insurance coverage.
Home Insurance
The typical homeowners insurance policy covers the house, the garage and other structures on the property, as well as personal possessions inside the house such as furniture, appliances and clothing, against a wide variety of perils including windstorms, fire and theft. The extent of the perils covered depends on the type of policy. An all-risk policy offers the broadest coverage. This covers all perils except those specifically excluded in the policy.

Health and Life

Life Insurance
Group life insurance is a type of life insurance in which a single contract covers an entire group of people. Typically, as the employer, the policy covers your employees or members of the group. Term insurance is the most common form of group life insurance.Â As the policy owner, the employer or other entity keeps the actual insurance policy, known as the master contract. All of those who are covered typically receive a certificate of insurance that serves as proof of insurance but is not actually the insurance policy. As with other types of life insurance, group life insurance allows you to choose your beneficiary.Â Â
Health Insurance
Aloha Insurance specializes in arranging for coverage for your employees’ health insurance plan. If you need assistance with your employee benefits and health insurance regarding claims or billing, weâ€™re here for you. We also empower you with decision-making tools so that you choose what health plans are best for you and your business.
Disability Insurance
The Hawaii Temporary Disability Insurance (TDI) law, enacted in 1969, requires employers to provide partial wage replacement insurance coverage to their eligible employees for non-work-related injury or sickness, including pregnancy. This means that if an employee is unable to work because of an off-the-job injury or sickness and the employee meets the qualifying conditions of the law, the disabled employee will be paid disability or sick leave benefits to partially replace the wages lost. TDI, however, does not include medical care.

Business Insurance
Commercial Property Insurance
Â€‹ Floods are involved in up to 90 percent of all-natural disasters. So, it is no surprise that flooding is one of the most common damage claims filed by property owners. Home and condo owners insurance, business owners insurance and commercial property insurance policies do NOT cover flooding.â€‹
Workers Compensation Insurance
Employee safety and well-being on the job should be important to you as their employer. However, accidents and illnesses can arise from being on the job.Â When they do, employees are covered under Workers Compensation law. The Hawaii WC law, enacted in 1915, provides wage loss compensation and medical care to those employees who suffer a work-related injury. The WC law in essence requires the employer to provide certain benefits without regard to the fault of the employer and prohibits an employee from filing civil action against the employer for work-related injury or illness. Any employer, other than those specifically excluded (section 386-1), having one or more employees, full-time or part-time, permanent or temporary, is required to provide WC coverage for its employees.
Commercial Liability Insurance
Employment practice liability insurance (EPLI) is specialized insurance designed to protect against loss incurred in litigating and settling wrongful employment practices liability claims. Itâ€™s typically structured as gap insurance for the company, providing protection against lawsuits such as discrimination, breach of contract and wrongful discharge suits, which usually are not covered by general business liability insurance. Directorsâ€™ and officersâ€™ liability insurance only protects the individual and not the company itself.Â EPLI is most commonly designed to fill this gap in coverage. It generally provides reimbursement for the costs incurred in defending a lawsuit but does not cover reimbursement for any penalties suffered.
Builders Risk Insurance

Annuities
In certain types of annuities, a person who receives annuity contract payments if the annuity owner or annuitant dies while payments are still due.
Liability Insurance
Other coverages include medical payments for injuries to the boat owner. Boaters should also inquire about special equipment kept on the boat, such as fishing gear, to make sure it is covered, and verify that towing coverage is included in the policy. Boat owners should also inquire about discounts, including diesel-powered craft, coast guard-approved fire extinguishers, ship-to-shore radios, two years of claims-free experience, and multi-policies with the same insurer, such as a car, home or umbrella policy. Safety education courses, such as those offered by the Coast Guard Auxiliary, U.S. Power Squadrons and the American Red Cross, are recommended and may lead to a discount as well.
Travel Insurance

Natural Disaster

Flood Insurance
Importantly, business-owner and commercial property policies do NOT cover flooding. Flood insurance is available to cover both a building and its contents.

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