I am just starting my business, only doing family jobs so far due to no insurance yet. I have not gotten my contractors license yet so there is no insurance company that will give me liability insurance here in Hawaii, only insurance to cover my equipment. I want to be legit before doing any real jobs. The insurance company's here said they use to give liability ins. to non contractors and the ones who still don't have a license but have insurance are grandfathered in. Does any one know of an Insurance Co. outside of Hawaii that would give insurance or know of a way of legally getting around this, like using a contractors license and hiring me as a sub?