HI Workers Comp Information

Find the latest state news or get help with Hawaii workers' compensation insurance.

State law requires employers to carry workers' compensation insurance in the state of Hawaii. Coverage is required even if the employee is part time and even if you only have one employee.

Some exclusions apply to the workers comp requirement including religious, charitable or educational non-profit organizations, some twenty-five percent stakeholders, all fifty percent stakeholders and real estate agents or brokers who work solely on commission.

For Hawaii workers temporarily working in another state work comp coverage for that worker is governed by the Hawaii statutes. When allowed, extraterritorial provisions allow benefits for an injured worker to apply as if the worker was in their primary state. Not all states provide extraterritorial provisions. Reciprocity governs coverage for a worker from another state who is working temporarily in Hawaii.

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About Workers Compensation in Hawaii

Hawaii Dept. of Commerce & Community Affairs

Insurance Division
P.O. Box 3614
Honolulu, HI 96811
808-586-2790

What is Workers' Compensation?

The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.

How does workers comp help my business?

Your business benefits from workers' compensation coverage, by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee. You can move forward with your business operations knowing that if one of your employees is injured because of something that happens as a normal part of your business operations, your business is not liable for the costs.

How does workers comp help my employee?

Employees benefit from workers comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.

Assigned Risk in Hawaii

Hawaii Employers Mutual Insurance Company (HEMIC) is the assigned risk provider for the state of Hawaii. HEMIC was started by Hawaii’s legislature in response to challenges facing the state’s workers’ compensation system. HEMIC is a private insurance company and is the only mutual insurance company in the state of Hawaii. HEMIC competes with other insurance companies on the private market to force down prices for the employers of Hawaii.

Hawaii/NCCI Partnership

Hawaii partners with the National Council on Compensation Insurance (NCCI) to determine workers comp rates on the different classification codes within the state. NCCI gathers data, analyzes industry trends, and prepares objective insurance rate and loss cost recommendations. NCCI is the nation’s most experienced provider of workers compensation information, tools, and services. Hawaii uses NCCI to determine rates on workers' compensation coverage only. It does not partner with NCCI to be the assigned risk provider.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

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Hawaii Work Comp Information

Easier Underwriting Requirements

With stricter underwriting guidelines for many workers comp codes in Hawaii, many agencies can't offer our special programs that quote tougher industries and class codes. Because we partner with more providers than most agencies we can find more options for industries with difficult risks.

Programs for Hard to Place Coverage

Let Workers Compensation Shop.com help your business navigate workers comp insurance in Hawaii.

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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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