Insights

Answer-first, sourced, dated.

2026-09-15 · Guide
How to start a business in Hawaiʻi: the eight steps in order

Choose the entity, register with DCCA, name a registered agent, get an EIN, get a GET license, clear county permits, then calendar the annual report.

2026-09-15 · Recovery
Kauaʻi business recovery resources after Hurricane Lowell

Offices that can help a Kauaʻi business after Lowell: what each one does, its link, and phone numbers taken from each office's own page.

2026-09-15 · Rules
Hawaiʻi TAT in 2026: 11% state, 3% county, and how to file

Short-term rentals in Hawaiʻi owe 11% state TAT plus a 3% county TAT on each nightly rate, filed on Form TA-1 by the 20th and reconciled on Form TA-2.

2026-09-15 · Rules
How long a Honolulu building permit takes and how to track it

There is no fixed timeline. The City Auditor found 108 days on average for homes and longer for commercial work. HNL Build is where you track yours.

2026-09-15 · Rules
Hawaiʻi General Excise Tax, explained for owners

GET is a tax on your business's gross income, not a sales tax. Most sales pay 4% plus a 0.5% county surcharge; wholesale pays 0.5%.

2026-09-15 · Guide
Google Business Profile setup for a Hawaiʻi business: the ten fields

Ten fields decide whether a Hawaiʻi customer finds and trusts you on Google. Fill them from your real signage, verify once, and fix hours after a storm.

2026-09-15 · Rules
Hiring your first employee in Hawaiʻi: the ten-step checklist

Ten registrations and forms across six agencies. Here is the order, the agency, and the link for each.

2026-09-15 · Money
How many days of cash a Hawaiʻi business should hold

Hold 90 days of operating cash, with 60 as the floor. The median U.S. small business holds 27 days, and Hawaiʻi's risks run longer than that.

2026-09-15 · Guide
How to answer every Google review within one business day

Reply to every Google review within one business day, in the owner's voice, in four sentences or fewer, and move any complaint to a phone call.

2026-09-15 · Money
Hawaiʻi minimum wage is $16 now and $18 on January 1, 2028

Act 114 (2022) set the floor at $16.00 on January 1, 2026 and $18.00 on January 1, 2028, with a tip credit of $1.25 now and $1.50 in 2028.

2026-09-15 · Rules
Hawaiʻi Prepaid Health Care Act: what employers owe

Employees working 20 or more hours a week for four straight weeks must get an approved health plan, and their share is capped at 1.5% of wages.

2026-09-15 · Rules
Kauaʻi vacation rental rules: what a TVR owner must know

Legal only inside a Visitor Destination Area or with a nonconforming use certificate renewed every year, with no grace period.

2026-09-15 · Guide
What a vacation rental owner report should show every month

One page on the 1st: nights sold, the rate, revenue against last year and the market, expenses, tax lines shown the state's way, and what comes next.

2026-09-15 · Guide
How to make your Hawaiʻi business one someone else could run

A business is sellable when it runs on written processes, clean books, and accounts in its own name, not on the owner's memory.

2026-09-15 · Standard
How to stop email forged in your business's name, in plain English

Three DNS records, SPF, DKIM, and DMARC, tell the world's mail servers which mail is really yours and what to do with the rest.

2026-09-15 · Standard
The Hawaiʻi Business Standard: 15 checks and how to pass each

The free reading runs 15 public checks on a business domain: forged email, security, speed, phones, search, and trust. What each means and how to fix it.

2026-09-15 · Recovery
What the federal disaster declaration unlocks for a Kauaʻi business, day by day

Until the President signs a major disaster declaration, most federal help for Lowell is not available. The day it is signed, a clock starts on several programs at once. Here is what opens, in what order, and what to have ready so you are first in line.

2026-09-15 · Recovery
The claim folder that gets paid: how to document Hurricane Lowell damage so the adjuster, the SBA, and FEMA all say yes

Every program that pays after a storm asks for the same evidence in a slightly different order. Build one folder once, in the order below, and every claim you file draws from it.

2026-09-15 · Insurance
Business interruption insurance after Hurricane Lowell: what triggers it, what it pays, and what to write down starting today

Most Kauaʻi businesses that closed after Lowell have a second claim they have not filed. Business interruption coverage pays for the income you lost while you could not operate. It has rules, and the rules reward the owner who kept notes.

2026-09-15 · Insurance
"The eye didn't touch you": what that claim means for your Hurricane Lowell insurance, and what to do this week

Kauaʻi owners are hearing that because the eye of Hurricane Lowell passed offshore, their damage was "tropical storm" damage and their hurricane policy does not apply. Here is how Hawaiʻi policies actually decide that, why one of your policies still has to answer, and the exact steps to take before any deadline passes.

2026-09-15 · Foundations
The five systems every Hawaiʻi business runs on, whether the owner knows it or not

A business is not a person working hard. It is five systems, each either designed or accidental. Naming them is the first step to owning them, and the reason some Kauaʻi shops survive a hurricane and others do not.

2026-09-15 · Hawaiʻi
SBA disaster loans after Hurricane Lowell: what a Hawaiʻi business can get, and when

Nothing opens until the declaration is approved. Have the folder ready.

2026-09-15 · Hawaiʻi
The three scams that follow every storm, and the one habit that stops them

Fake FEMA, fake insurer, forged vendor invoice. Verify by phone.

2026-09-14 · Kauaʻi
Hurricane Lowell: what a Kauaʻi business can claim, file, and do this week

Every program, deadline, and step, marked declared, pending, or not yet available. Free.

2026-09-14 · Statewide
The Hawaiʻi Business Email Security Report, 2026

689 businesses checked on four islands. 88% cannot reject email forged in their name.

The Hawaiʻi Business Brief

What every Hawaiʻi business owner needs to know this week. Free, every Tuesday.

Rules and deadlines, recovery programs, scams in circulation, and the Standard. No selling.