Workers’ Compensation Insurance for Hawaii Employers

Support Your Employees And Meet State Requirements

Hawaii law requires most businesses with employees to carry workers’ compensation insurance. This coverage helps protect both your team and your business by covering medical expenses, wage replacement, and recovery support after a work-related injury. We’ll help you get the right policy to stay compliant and care for your employees when they need it most.

What Workers’ Compensation Insurance Covers

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Medical Expenses

Covers doctor visits, hospital stays, surgeries, and medications for injuries or illnesses that happen on the job.

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Lost Wages

Helps replace a portion of income when an employee cannot work due to a work-related injury.

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Ongoing Rehabilitation

Includes physical therapy, vocational rehab, and other treatments needed for recovery.

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Employer Liability Protection

Offers legal protection if an injured employee sues your business for additional compensation.

Common Questions About Workers’ Compensation

  • Is workers’ compensation required in Hawaii?

    Yes. Hawaii law requires any business with one or more employees to carry workers’ compensation insurance, regardless of whether they are full-time, part-time, temporary, or permanent. There are a few exceptions, but most businesses are required to comply.

  • What if I only have part-time or seasonal employees?

    Even part-time and seasonal employees are generally covered under Hawaii’s requirements. If someone works for your business and is injured on the job, they are entitled to benefits under the law.

  • How are premiums calculated?

    Premiums depend on factors like the number of employees, type of work they perform, and your business’s claims history. We’ll help you understand your risk classification and explore options to manage costs.

  • Does this coverage include independent contractors?

     Typically, independent contractors are not covered unless they are misclassified or there is a specific arrangement. We can help clarify your obligations and avoid potential compliance issues.

  • What happens if I don’t carry workers’ compensation insurance?

    Failing to maintain proper coverage can lead to penalties, lawsuits, and financial liability. It also puts your employees at risk if they are injured on the job. We help ensure your business stays protected and compliant.