Testimonials

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“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.”

~ Sharron, George and Laurie Weber
Tire Warehouse

"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 interests 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
Owners, Hukilau Lanai Restaurant

“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 set 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!”

~ Kristal Muhich
Owner, Kauai Juice Company

“Pam Varma has been our insurance agent for over 23 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, with the least hassle.”

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

“I can always count on Pamela Varma to give me what I expect in an insurance agent. She calls me early to review coverage, she knows my account and is prompt at answering questions, and she always looks out for my best interests in finding coverage.”

~ Gaylord Wilcox
Owner, Hanalei Center

“Pam, huge mahalos for almost 28 years of your love, assistance, coverage, and most importantly, your unbelievable professionalism. 

I’ve always told people in my line of work that you are the most professional person I know on Kauai, man or woman!”

~ Bruce Cosbey
Owner, Cosbey Construction