"Be honest, work hard and know your product better than anyone else. Deliver outstanding service and treat others like you wish to be treated."

"Bob Ale has been very helpful to all the businesses I have owned. He's very accurate, and quick in getting back to us. What I really like is that he seems to have a great knowledge of the insurance business. I value our great, long term relationship and I am one hundred percent satisfied with both Bob and Insurance Factors."

- Carl Seyfer, Owner Fuller Glass, Honolulu and Kalu Glass, Maui

"Business insurance is an expensive product the buyer hopes to never use. My service better be the best."

"It has been great working with you all this time and It's truly been smooth sailing compared to my last insurance experience, so thanks and I look forward to more great years working together. "

- Patricia Simmons, Simmons Steel Corporation, Honolulu

"Insurance Factors has provided excellent customer service for our small business over the years. Tom’s expert advice and guidance provides our business with peace of mind knowing that all our insurance needs are covered for our specific industry at the best rates possible."

- Laurie Castro, Co-Founder & Administrator - Sounds of Success Preschool

"Beylik Drilling & Pump Service, Inc. has worked with Tom Allen at Insurance Factors since 2012 and we have found him to be reliable, knowledgeable, and attentive to our insurance requirements."

- Bob Horrick – Beylik Drilling & Pump Service Inc.

"Tom Allen has provided Hawaii Central Federal Credit Union with exceptional service since 2013. He has found us carriers to meet our insurance needs when other agents could not. Before Tom took over our account, he studied our existing policies so that he knew exactly what we required. Tom is extremely responsive when we call him with questions."

- Bruce M. Rosen - Hawaii Central Federal Credit Union

"I enjoy learning about my customer’s business to help explain how insurance can keep them going through the worst scenarios. Once they’ve made their best decisions on how to protect the business, they can focus on taking care of their customers, employees and family."

"Bob Ale has been very helpful to all the businesses I have owned. He's very accurate, and quick in getting back to us. What I really like is that he seems to have a great knowledge of the insurance business. I value our great, long term relationship and I am one hundred percent satisfied with both Bob and Insurance Factors."

- Carl Seyfer, Owner Fuller Glass, Honolulu and Kalu Glass, Maui

"I believe in teamwork between the client and myself. We are stronger that way."

" I believe in always doing what's best for my clients. With that focus, everything always falls into place."

"We hold Pamela Varma of Insurance Factors in the highest regard on all levels. She is prompt in her responses, thoughtful of our needs as a business, and truly has our best interest at heart, and she's nice. Above all, we have found in Pam an insurance agent that we trust, an invaluable quality that all clients dream of."

- Krissi & Ron Miller, Hukilau Lanai Resturant, Kauai

"Pam Varma has been our insurance agent for over 19 years. During that time I have come to admire Pam as an extraordinary service provider. She promptly and clearly answers my calls and emails, knows the answers to almost all my questions, and has always been extremely upbeat, patient and courteous. On many occasions she has gone above and beyond the call of duty to ensure that our interests are best served. I feel confident that having her as our agent has resulted in better insurance, for the best price and the least hassle."

- Jim Psaila, Co-Owner of The Office Method and General Manager of Island Soap Company

"Pamela Varma has been our insurance agent for 25 years; she always finds the best coverage and premiums for us and is always available when we have questions. Pam makes insuring our business easy."

- Sharon, George and Laurie Webber – Tire Warehouse

"Being a small business owner, I have no idea what some insurance jargon means, but Pamela and her staff always take the time to explain everything to me and det me up with the best deals possible. I really appreciate them and all the help they give me. Pamela and the entire Insurance Factors Staff are great!"

- Krista Muhich, owner – Kauai Juice Company

"I treat my clients as I would my family members: with respect and sincerity."

"Insurance Factors has been our business insurance agency for the past 15 years. During that time Karen Cielo has grown to be a very close friend both professionally and personally. She has a strong sense of responsibility, character and integrity. She is the type of person one can fully trust and count on in any situation or endeavor. Karen has our full recommendation."

- Michael Moore, Tim Moore and Robert Aguiar, Partners, Old Lahaina Luau/Aloha Mixed Plate, Lahaina, Maui

"Karen has proven to be an amazing partner. She is available for us and cares about our company like ohana. She's been supporting our growth since the beginning and has seen us through everything from navigating health insurance options for our employees, opening new restaurants, and even a fire. Through the hardest time for our company, she advocated for us fiercely. Nobody ever thinks they will go through something like that but if you do, having the right support is critical. We are so grateful to have Karen on our team."

- Jaron Blosser, Threes Catering / Fork and Salad

"After years of working with Karen Cielo, I can confidently say that she has been the best insurance agent I have worked with in over thirty years of being in business in Hawaii. I know she works hard to get us the best rates she can. Can’t say enough good thing about her. I hope she doesn’t retire before me!!!"

- Bev Gannon, Haliimaile General Store & Gannon’s Restaurant

"Karen and her team have been providing excellent insurance coverage for us since the founding of our company. As our business has grown from four employees to twenty and our subcontractors have doubled, our coverage needs have also increased. When that happens, Karen is always responsive, knowledgeable, and honest as she assists us with renewals or additions to our policies. We really appreciate knowing that Karen has our best interests and that of our business in mind. We are truly grateful for Karen’s advice and guidance in navigating the insurance coverage process."

- Chloe Adkison – Makena Builders

"Karen Cielo and her team at Insurance Factors have been providing my company with outstanding service for over 10 years. I started in a rented building with a simple policy and over the years things have grown to two commercial properties and a much more complex operation. Through it all Insurance Factors has been able to find me the best rates and handle all the details of the various policies so I can focus on running my business instead of worrying about my coverage. Karen’s reputation in the community makes getting things done faster and easier and her contacts in the industry allow her to shop around for the best specific coverage you need. The support team is always quick with a policy change or certificate when I bring a new vendor on board and I sleep well at night knowing I have the correct policies in place. Thank you!"

- Morrison C. Huston - AT HOME ANIMAL HOSPITAL and MOBILE VETERINARY SERVICES

"I have had the pleasure of having Karen Cielo as my insurance agent for more than 10 years now. Karen has made the Commercial Liability, Workers Compensation, TDI, and Medical Insurance arena an easy process. Because of her expertise and experience I know I have the coverage and limits that I need and pricing that helps keep my business viable. When you’re a small business owner as I am, anything that you can do to be able to focus on your core business is crucial. Having Karen as my agent allows me more time to concentrate on giving my customers the attention they deserve. I would and do recommend Karen frequently for anyone looking for business insurance"

- Brad Sundin – Kahului Ale House

"I always keep my client's needs top of mind. Good, cheerful service always wins out. I insist on honesty and completeness."

"The Association has been served by Robin Martin and Insurance Factors for many years with unparalleled quality and attention. It has been our pleasure to work with Robin and we look forward to a long continued relationship with her. Any organization would be well served through her services."

- Michael W. Turman, General Manager, Association of Apartment Owners, Yacht Harbor Towers

"Give my clients the service that I would expect to receive myself."

"I have been with Insurance Factors since the conception of my business over ten years. This was at the recommendation of a friend. I also use them for a non-profit organization Called Youth in Motion. Donald has his customer's interests in the forefront when conducting business – helping to find the best rates available. The service is outstanding and being a business owner who has to wear many hats, I appreciate Donald's professional approach and handling the insurance portion of my business and that of Youth in Motion."

- Clare Seeger Mawae, Owner, Molokai Outdoors; Chairman Youth in Motion

"I have been working with Donald O'Connor since I first started my Hawaii contracting business in 2003. Starting out as a small business with just myself as an employee, growing to 50 employees and starting a second company selling building materials - Donald has been an invaluable partner every step of the way for the last 16 years. His friendly and professional manner, and the feeling of confidence I have that the insurance part of my business is in good hands so I can concentrate on doing the part of the business that I am good at."

- Andrew Keenan, President of Maui Windows and Doors

"Donald O’Connor and Insurance Factors have been an important aspect of our various business and it’s success over the years. Back in 1993, Donald was able to provide a solid policy for my retail shop in Lahaina called MR. WINE! Most providers would not even offer us coverage due to the fact we would be selling alcoholic based products, this did not stop Donald from the task at hand. Currently Donald and Insurance Factors are providing the policy for our family business on Front Street in Lahaina, now named the Makai Sunset Inn (formally The Makai Inn), right off the bat we experienced a complex issue and Donald jumped into action, going over the top to assist and guide us to the end. Donald sincerely felt the pain we were experiencing and was compassionate and is an amazing resource to be able to rely on! Donald is DA MAN!"

- Trav Duro jr. Owner - MR. WINE (1993-2006), managing member - Makai Sunset Inn (Makai Hui, LLC.)

I am passionate about taking care of my clients business insurance needs. I treat each business as if it were my own- making sure they are protected with a thorough plan, listening to their concerns and simplifying the insurance process so they can focus on what they do best. I'm in the business of building relationships and creating a positive experience for my clients."

"It has been a profesional pleasure to work with Jill and Insurance Factors. Insurance can be a scary and daunting business necessity, but Jill makes the process easy and manageable. Her attention to our business needs makes us feel like her only client! I highly recommend Jill and Insurance Factors!"

- José A. Fajardo President & General Manager, Hawaiʻi Public Radio

"I have had the pleasure of working with Jill Wheatman for over 10 years. Through my experience of working with Jill on special events in Waikiki, I learned how knowledgeable she is in the field of insurance and the high level of service she offers to her clients. I have referred many businesses in our hotels and shopping complexes to Jill for their insurance needs. Without exception, business owners have thanked me for introducing them to Jill as her service is prompt and thorough with a friendly personal touch. Jill's knowledge and ability to tailor a client's insurance needs at the most competitive pricing is a testament to the success and respect she has earned in the community."

- Barbara A. Campbell Vice president Retail Development and Leasing, Outrigger Enterprise Group

"Jill Wheatman has been a dream to work with. She's always available to answer questions and really takes the time to explain things. I trust her completely."

- Linh Owen, Director, Fighting Eel

"We've been working with Insurance Factors for the past 18+ years and were saddened by the sudden loss of Kenzie Endo in 2011. Jill Wheatman promised us that she would continue to serve us the best and carry on with the same attention and detail that he set in place - to honor him and his family. Jill has kept that promise, she is a very calm, patient, intelligent woman and we are never afraid to ask her a question. She is trusted and perfectly detailed in every way. Our business with Insurance Factors has always been their #1 priority and we look forward to continued business!"

- Randal S. Yoshimoto, D & S Commercial Service, Inc.

"Jill Wheatman is very knowledgeable and has been responsive to all of my phone calls and emails. She continuously reviews our policies and questions our business to anticipate any insurance needs. She has been a pleasure to work with over the years and we enjoy having her as our agent."

- Lisa Canfield, Chief Financial Officer of Radiology Associates, Inc.

"Jill is a pleasure to work with. She reviewed our old policies and was able to get us a significant price reduction (for the same coverage) on one of our policies. She also had the integrity to tell us straight up that another existing policy was a 'keeper.' I admire her friendly professionalism and appreciate her consideration for my time."

- Lyssa Reese, Law Office of Stephen H. Reese, Honolulu

"I put my clients first and strive to secure their loyalty through top quality service."

"After 10+ years, Patrick continues to offer us great professional service with Aloha! Thank you and we look forward to your continued assistance."

- Alan Akiyama, Ilima Tours & Transportation, Honolulu

"People have long memories so be the best at customer service and they will always remember you"

"I need an agent who takes the time to understand my growing business and it's complicated insurance needs. That's why Terri has been my agent for over 15 years. I wouldn't think of going to anyone else!"

- R. Craig Schafer, President, Money Service Centers of Hawaiʻi, Inc., Lihue

"Terri has been our agent for the past 18 years. She understands our business needs and makes sure we have the appropriate coverage for every aspect. She shops for the best coverage at the best cost. We are secure in her knowledge of our insurance needs!"

- Wendy Akita President of Akita Enterprises, Ltd