Employees’ compensation insurance coverage is a crucial a part of any enterprise and is required in nearly each state.
There are some 132,640 Hawaii small enterprise house owners, entrepreneurs, freelancers, or sole proprietors that want a workman’s comp coverage.
However, what’s the most effective staff’ comp insurance coverage for companies in Hawaii?
We made this fast and simple information to help you to find the most effective staff compensation insurance coverage firm in Hawaii. You’ll find out about prices, what’s coated, exclusions, and extra.
Greatest Firms For Employees Compensation Protection In Hawaii At A Look
High Employees’ Compensation Insurance coverage Firms in Hawaii (2025)
| Supplier | Greatest For | Key Options | Availability |
| The Hartford | Established Companies | Business experience, bundled insurance policies, on-line quotes | Nationwide, together with HI |
| Progressive Industrial | Fast On-line Quotes & Small Companies | Quick utility course of, broad protection choices | Nationwide |
| Thimble | Freelancers & Brief-Time period Insurance policies | Versatile insurance policies, app-based, instantaneous proof of insurance coverage | Hawaii + choose states |
| Employers Insurance coverage | Low-Threat Industries & Distant Groups | Aggressive pricing, loss management providers, return-to-work applications | Nationwide, together with HI |
Greatest Employees’ Compensation Insurance coverage for Small Companies in Hawaii
The Hartford is the most effective staff’ compensation insurance coverage supplier for small companies in Hawaii. It combines industry-specific experience (e.g., retail, hospitality, development) with insurance policies tailor-made to Hawaii’s strict labor legal guidelines. Small companies profit from:
- Bundled reductions (e.g., financial savings when pairing staff’ comp with common legal responsibility insurance coverage).
- Prompt on-line quotes and coverage activation, ideally suited for fast-moving small companies.
- Free office security coaching aligned with Hawaii’s OSHA necessities.
- Devoted claims specialists acquainted with HI’s incapacity and return-to-work laws.
Greatest Employees’ Compensation Insurance coverage for Micro Companies in Hawaii
The Hartford is the best choice for micro companies (1–10 workers) in Hawaii. Its insurance policies deal with distinctive challenges like restricted payrolls and part-time staff:
- No minimal payroll necessities, essential for companies with seasonal or gig staff.
- Charges as little as $165.00/month, essentially the most inexpensive possibility for micro-business budgets.
- Cell app administration for certificates of insurance coverage and claims monitoring.
- Compliance assurance with Hawaii’s exemption guidelines (e.g., contractors, sole proprietors).
Greatest Employees’ Compensation Insurance coverage for Midsize Companies in Hawaii
The Hartford is the main supplier for midsize companies (50–250 workers) in Hawaii. It gives scalable options for rising firms:
- Expertise Modification Charge (X-Mod) optimization to cut back premiums by security applications.
- Multi-state protection for companies working past Hawaii.
- Return-to-work applications that decrease misplaced productiveness underneath HI’s incapacity legal guidelines.
- Tailor-made danger administration for high-risk industries like manufacturing and healthcare.
Who Is The Least expensive Employees’ Comp Insurance coverage Supplier in Hawaii?
The Hartford gives the most cost effective staff’ compensation insurance coverage in Hawaii, with charges beginning at $165.00 per 30 days for micro and small companies. Additionally they supply instantaneous estimates, no-commitment quotes, and instantaneous protection. Key causes for its affordability:
- Payroll-Primarily based Pricing: Premiums scale instantly with payroll dimension, avoiding overpayment for seasonal or part-time staff.
- Bundled Reductions: Save as much as 15% by combining staff’ comp with different insurance policies like common legal responsibility.
- X-Mod Financial savings: Companies with sturdy security data qualify for lowered premiums by way of Expertise Modification Charge reductions.
- No Dealer Charges: Direct on-line quoting cuts out middlemen, decreasing administrative prices.
- Hawaii-Particular Effectivity: Streamlined claims processes and compliance with HI’s labor legal guidelines decrease overhead, passing financial savings to companies.
Why The Hartford Dominates Employees Comp Insurance coverage Classes in Hawaii:
The Hartford dominates staff’ comp insurance coverage in Hawaii as a result of its value transparency, sturdy claims assist, tailor-made small enterprise protection, and tech-driven instruments. Its fame for quick payouts, bundled insurance policies, and customer support makes it a best choice. The corporate additionally gives industry-specific danger administration options.
Key Causes for Dominance:
- Price Transparency: Clear, payroll-based pricing with no hidden charges—premiums scale instantly with payroll dimension, making certain companies solely pay for what they want.
- Compliance Experience: Insurance policies constructed for Hawaii’s distinctive mandates, together with protection for companies with 1+ workers and alignment with HI’s incapacity/return-to-work legal guidelines.
- Pace: Prompt on-line quotes, cellular app claims monitoring, and same-day coverage activation cater to fast-paced Hawaii companies.
- Repute: Backed by an A+ monetary energy score (AM Greatest) and 200+ years of {industry} belief, making certain dependable long-term claims assist.
- tech-Pushed Instruments: AI-powered danger assessments and app-based certificates administration streamline compliance for Hawaii’s strict labor surroundings.
The place to Get The Greatest Employees’ Compensation Insurance coverage in Hawaii?
Get the most effective staff’ compensation insurance coverage in Hawaii by evaluating top-rated suppliers like The Hartford, State Fund, and Employers Insurance coverage. Prioritize firms providing quick claims, aggressive premiums, and robust assist for Hawaii labor legal guidelines. Use platforms like Merely Insurance coverage to check charges immediately.
High Non-public Employees’ Compensation Insurance coverage Firms in Hawaii
Non-public insurance coverage firms supply a spread of staff’ compensation insurance policies tailor-made to various enterprise wants. Notable suppliers embody:
- The Hartford: Acknowledged for complete protection choices and a powerful deal with customer support, The Hartford caters to companies of assorted sizes.
- Most well-liked Employers Insurance coverage: Specializing in Hawaii’s market, this firm gives personalised providers and aggressive charges, making it a trusted alternative for a lot of native companies.
- Employers Insurance coverage: With a deal with small companies, Employers Insurance coverage gives cost-effective staff’ compensation options tailor-made to the distinctive challenges confronted by smaller enterprises.
When choosing a personal insurer, it’s important to check protection choices, premium prices, and buyer evaluations to make sure the most effective match for your online business.
Who’s the Largest Employees’ Compensation Insurance coverage Firm in Hawaii?
The most important staff’ compensation insurance coverage firm in Hawaii is The Hartford. The Hartford insures hundreds of Hawaii companies and is thought for its sturdy monetary stability, quick claims processing, and proactive danger administration providers tailor-made to fulfill Hawaii’s regulatory surroundings.
How A lot Employees’ Compensation Insurance coverage Do I Want in Hawaii?
Most states require you to have no less than $500,000 in staff comp protection on your workers. Nonetheless, the quantity of protection you want will rely upon your online business’s dimension, location, and kind.
How A lot Is Employees’ Compensation Insurance coverage in Hawaii?
Common value of employee’s comp insurance coverage in Hawaii is $165.00 per 30 days or $1,980.00 per yr. In HI, staff’ compensation insurance coverage prices $1.05 per $100 of payroll, relying on {industry} danger, claims historical past, and worker roles. Excessive-risk industries like development pay extra, whereas office-based companies pay much less. State Fund and personal insurers supply charge calculators to estimate prices precisely.
Common Price of Employees’ Comp Insurance coverage in Hawaii
The desk under gives illustrative examples of staff’ compensation insurance coverage charges for varied industries in Hawaii. These figures are approximate and might fluctuate based mostly on particular circumstances and insurers.
| Business | Job Position | Charge per $100 of Payroll | Month-to-month Premium Estimate* |
| Development | Common Contractor | $3.00 – $30.00 | $750 – $7,500 |
| Manufacturing | Machine Operator | $2.50 – $15.00 | $625 – $3,750 |
| Healthcare | Registered Nurse | $1.75 – $5.00 | $437.50 – $1,250 |
| Retail | Gross sales Affiliate | $1.00 – $3.00 | $250 – $750 |
| Clerical/Workplace | Administrative Assistant | $0.40 – $1.00 | $100 – $250 |
*Assuming a month-to-month payroll of $25,000.
These estimates spotlight how {industry} classifications affect insurance coverage premiums. Companies in higher-risk industries, akin to development, face larger charges because of the elevated chance of office accidents. Conversely, office-based roles sometimes entice decrease premiums reflecting their lowered danger.
Employers can make the most of charge calculators offered by insurers like State Fund and personal insurance coverage firms to acquire extra correct estimates tailor-made to their particular enterprise operations and workforce.
Employees’ Comp Charges in Hawaii (Per $100 Payroll)
Employees’ comp charges in Hawaii value round $1.05 per $100 of payroll, based mostly on job classification codes. Low-risk jobs like clerical work common $0.75–$1.50, whereas high-risk jobs like roofing can exceed $25. The Employees’ Compensation Insurance coverage Score Bureau units advisory pure premium charges yearly.
Hawaii Employees’ Comp Charges by Classification
The Employees’ Compensation Insurance coverage Score Bureau of Hawaii (WCIRB) assigns particular classification codes to numerous job varieties, every with its personal advisory pure premium charge. These charges mirror the anticipated value of claims related to every classification. Beneath is a desk illustrating pattern classification codes together with their corresponding advisory pure premium charges as for 2025:
| Classification Code | Business/Job Kind | Advisory Pure Premium Charge per $100 Payroll |
| 0042 | Landscaping Gardening | $6.56 |
| 5183 | Plumbing | $1.68 |
| 8810 | Clerical Workplace Workers | $0.35 |
| 8742 | Salespersons – Exterior | $0.65 |
| 7228 | Trucking – Native Hauling | $8.25 |
| 9015 | Constructing Operations by Proprietor | $0.97 |
| 8835 | Residence Well being Care Providers | $5.32 |
| 8006 | Grocery Shops | $2.15 |
| 8017 | Retail Shops – NOC | $1.85 |
| 8387 | Car Service or Restore Facilities | $3.30 |
These charges are topic to vary and should range based mostly on the insurer and particular circumstances of the enterprise. Employers ought to seek the advice of with their insurance coverage suppliers or the WCIRB for essentially the most present and relevant charges for his or her classifications.
How Lengthy Does Employees’ Comp Final?
If you happen to’re questioning how lengthy staff’ compensation will final, the reply is totally different for everybody. The extra extreme a work-related damage or illness, the extra prolonged funds may final.
If you happen to suppose your worker would require future medical therapy past common staff’ comp payouts, advise them to talk with a lawyer about authorized issues.
Elements That Have an effect on Employees’ Compensation Prices in Hawaii
Employees’ compensation prices in Hawaii are affected by job classification, payroll dimension, claims historical past, and security document. Excessive-risk roles like development enhance premiums, whereas a clear security document lowers them. Expertise modification charges (X-Mod) additionally regulate premiums based mostly on previous claims in comparison with {industry} averages.
Let’s take a deeper have a look at a number of key components:
- Job Classification: Every occupation is assigned a classification code reflecting its danger stage. Excessive-risk roles, akin to these in development, sometimes incur larger premiums because of the elevated chance of office accidents.
- Payroll Measurement: Premiums are calculated per $100 of payroll. Consequently, companies with bigger payrolls could have larger general premiums, as extra workers equate to higher potential legal responsibility.
- Claims Historical past: A historical past of frequent or extreme staff’ compensation claims can result in elevated premiums. Insurers view previous claims as indicators of future danger.
- Security File: Sustaining a powerful security document can positively affect premium prices. Fewer office incidents recommend efficient security protocols, making the enterprise a decrease danger to insurers.
- Expertise Modification Charge (X-Mod): This charge adjusts premiums based mostly on an organization’s claims historical past relative to {industry} averages. An X-Mod under 100% signifies a better-than-average claims historical past, probably decreasing premiums, whereas an X-Mod above 100% can enhance them.
Understanding and managing these components will help companies management their staff’ compensation insurance coverage prices successfully.
Hawaii Employees’ Compensation Insurance coverage Necessities
Hawaii requires all employers with a number of workers to hold staff’ compensation insurance coverage, no matter hours labored. Protection have to be bought from a licensed insurer or the State Fund. Sole proprietors are typically exempt however can choose in. Noncompliance results in fines and felony penalties.
Who Wants Employees’ Comp Insurance coverage in Hawaii?
Hawaii is the one state that requires all employers to be coated by staff’ compensation, even when they’ve just one particular person working for you.
Even when an organization’s headquarters are in one other state, Hawaii legislation requires it to hold staff’ comp protection for workers who work there usually.
Which Industries Purchase Employees’ Comp Insurance policies in Hawaii the Most?
Beneath is an inventory of industries that almost all usually buy workman’s comp insurance coverage for his or her new firm or startup:
- Landscaping & Garden Care
- Meals & Beverage
- Authorized
- Accounting & Finance
- Retail
- Hair & Magnificence
- Health
- Day Care
- Industrial Cleansing
- Heating & Air Conditioning
What Are The Minimal Employees’ Comp Legal guidelines in Hawaii?
Employer legal responsibility in Hawaii is presently outlined by the next minimums: $100,000 per incidence for a staff’ compensation insurance coverage coverage. $100,000 per worker, and the entire coverage worth have to be no less than $500,000.
Who Is Exempt from Employees’ Comp Insurance coverage in Hawaii?
Employees’ compensation is important just for sure workers. In Hawaii, it’s not required for sure staff, which embody:
- Enterprise house owners/sole proprietors (other than roofers)
- Contractors
- Home staff who’re associated to their employers
- People who work for assist (meals, housing, and so forth.) relatively than pay
- Particular volunteers, together with volunteers for non-profit organizations
- Deputy sheriffs and deputy clerks
- College students collaborating in beginner sporting occasions/beginner sports activities officers
Do Impartial Contractors Want Employees’ Comp Insurance coverage In Hawaii?
No, unbiased contractors are typically not required to hold staff’ compensation insurance coverage for themselves. Nonetheless, there are vital concerns to remember:
- Consumer Necessities: Some purchasers might require unbiased contractors to have their very own staff’ compensation protection as a situation of their contract. This requirement helps defend the consumer from potential legal responsibility in case of work-related accidents.
- Private Safety: Even when not mandated, acquiring staff’ compensation insurance coverage generally is a prudent choice for unbiased contractors. It gives protection for medical bills and misplaced wages ensuing from work-related accidents or sicknesses, providing monetary safety and peace of thoughts.
It’s essential for contractors to remain knowledgeable about these necessities to make sure compliance and keep away from potential penalties. For essentially the most correct and up-to-date data, contractors ought to seek the advice of the Hawaii Contractors State License Board (CSLB) or a authorized skilled acquainted with Hawaii labor legal guidelines.
Is Employees Comp Required In Hawaii?
Sure! Even in case you solely have one worker, Hawaii employers should carry staff’ compensation insurance coverage. And in case your staff are injured or sick due to their job, you should reimburse them for staff’ compensation advantages.
Employees’ comp insurance coverage covers important providers akin to medical care, short-term incapacity funds, everlasting incapacity pensions, further job displacement advantages, and a return-to-work complement. It additionally contains demise advantages for ultimate bills.
How Employees’ Compensation Insurance coverage Works in Hawaii?
Employees’ compensation insurance coverage is a sort of insurance coverage that gives advantages to your workers in the event that they undergo an occupational damage or illness. Often known as staff’ comp or workman’s comp insurance coverage, the sort of protection might assist pay on your injured or sick workers’ medical prices. It will possibly additionally help with misplaced earnings as a result of missed work. Employees’ compensation insurance coverage is designed that can assist you and your workers keep away from monetary hurt attributable to office accidents akin to misplaced wages. This protection will:
- Help firms in varied industries
- Promote employee security
- Get workers again to work or transitional work
- Present entry to coaching for brand spanking new expertise
Most states require firms with workers to hold staff’ compensation insurance coverage. However necessities range from state to state. Workers can obtain staff’ compensation insurance coverage, no matter who’s at fault for the accidents or sickness.
What Does Employees’ Comp Insurance coverage Cowl in Hawaii?
Your insurance coverage will cowl the fundamentals in Hawaii, together with medical care, non permanent incapacity advantages, everlasting incapacity advantages, further job displacement advantages, and a return-to-work complement. Moreover, demise funds are coated by staff’ compensation insurance coverage.
The overwhelming majority of staff compensation claims are rapidly resolved.
Nonetheless, points might come up in case you and your employer can’t agree on whether or not you sustained the hurt on the job and the way a lot in advantages they’re entitled to obtain.
The next is an inventory of injured laborer profit entitlements in Hawaii.
- Medical therapy charges
- Short-term incapacity funds
- Everlasting incapacity funds
- Life pension funds
- Vocational retraining prices
- The price of burial demise advantages
What Varieties Of Worker Accidents Does Employees’ Comp Insurance coverage NOT Cowl In Hawaii?
Employees comp insurance coverage in Hawaii doesn’t cowl accidents from intoxication, self-inflicted hurt, off-duty actions, or violations of firm coverage. It additionally excludes emotional accidents with out bodily trauma and unbiased contractors. These exclusions assist stop fraud and guarantee claims relate on to work-related duties. Some examples embody:
- Driving to/from work
- Intoxication/intentional act
- Horseplay
- Intentional acts
- Unlawful actions
- Coverage violations
- Terminated workers
How Is Employees’ Comp Completely different from Well being Insurance coverage?
One main distinction between staff comp insurance coverage and particular person medical health insurance is that staff’ compensation insurance coverage applies solely to office accidents, whereas the latter solely applies to non-work accidents.
Employees’ Compensation Advantages in Hawaii
Employees’ compensation advantages in Hawaii embody medical care, non permanent incapacity funds, everlasting incapacity advantages, supplemental job displacement vouchers, and demise advantages. These advantages intention to assist injured staff throughout restoration, compensate for misplaced wages, and supply retraining or monetary assist to dependents if mandatory
Find out how to File a Employees’ Comp Declare in HI
The legislation requires your employer in Hawaii to pay on your medical therapy whilst you’re away from work and recuperating if you’re an eligible worker with a office damage or illness.
Nonetheless, if you wish to obtain these and different staff’ comp advantages in Hawaii, you should file a well timed declare.
In most conditions, submitting a staff’ compensation declare in Hawaii is just a three-step course of:
- reporting the damage
- submitting the precise declare along with your employer
- Submitting an “utility for adjudication of declare” with the Employees’ Compensation Appeals Board (WHIB).
There are time restrictions for every of those phases. In some instances, you may get away with being late on the primary two steps.
Nonetheless, in case you miss the deadline for the ultimate step—and your employer’s insurance coverage firm refuses to supply or proceed compensation—you could be out of luck.
In case you are uncertain, it’s all the time finest to achieve out to the Hawaii Division Of Insurance coverage.
Employees’ Comp Settlement Chart in Hawaii
Hawaii staff’ comp settlement quantities range by incapacity score, wages, and damage kind. A ten% everlasting incapacity may lead to $6,000–$8,000, whereas larger rankings can exceed $50,000. The Division of Employees’ Compensation makes use of a incapacity score chart and formulation to find out payouts.
The desk under illustrates widespread damage situations and estimated settlement ranges based mostly on Hawaii’s 2025 pointers:
| Incapacity Score | Damage Kind | Common Settlement Vary* | Notes |
| 10% Everlasting | Again Pressure, Minor Fracture | 6,000–8,000 | Primarily based on common weekly wage (HI minimal: $165.000.95/week). |
| 25% Everlasting | Repetitive Movement Damage | 25,000–35,000 | Contains carpal tunnel, partial lack of limb operate. |
| 50% Everlasting | Extreme Burns, Amputation | 50,000–90,000 | Payouts regulate for future medical care and misplaced incomes capability. |
| 75% Everlasting | Spinal Twine Damage | 100,000–200,000+ | Lifetime incapacity pensions apply for whole everlasting disabilities. |
Why Ranges Fluctuate:
- Pre-Impairment Earnings: Greater wages enhance settlements (e.g., 500/week vs. 230/week minimal).
- Damage Date: Charges regulate yearly (e.g., accidents after 1/1/2025 use up to date tables).
- Future Care Prices: Extreme accidents (e.g., amputations) embody lifelong medical bills.
How To Get Workman’s Compensation Insurance coverage In Hawaii?
You should buy employee’s comp insurance coverage for your online business immediately on-line in Hawaii from a web-based insurance coverage company like Merely Insurance coverage. There isn’t any want to attend round for a staff compensation pamphlet within the mail.
We make buying employee’s comp plans simple, quick, and 100% on-line.
Taking Motion
Employee’s Compensation Insurance coverage is a mandatory value for enterprise house owners who wish to defend themselves and workers from the surprising.
Enterprise house owners who don’t carry protection might find yourself paying out of pocket for any mishaps that happen whereas working their small companies.
All you could do is click on right here to get some instantaneous quotes and get coated at present.
FAQs About Employees’ Compensation Insurance coverage in Hawaii
How is employee’s comp insurance coverage calculated in Hawaii?
The full quantity of premiums collected is multiplied by $100 per worker per class. By multiplying every class’s payroll by $100, you possibly can receive an estimate for the payrolls in every class. The bottom premium is the sum of all premiums collected.
Do you want staff’ compensation protection in case you’re self-employed In Hawaii?
No, you don’t want workmans comp coverage in case you’re self-employed. Nonetheless, even when staff’ compensation isn’t required, people who function their companies or work as contractors ought to strongly take into consideration buying it.
Is workman’s comp required for part-time workers in Hawaii?
That is going to rely in your wants, the corporate that can have the most cost effective insurance coverage in Hawaii for you’ll rely upon a lot of components that relate to your house, together with the worth of your house, the world you reside in, what kind of house you reside in and what kind of protection you choose. Your deductibles and protection limits will make up a portion of the price.
Can I take advantage of my very own insurance coverage as a substitute of workman’s comp in Hawaii?
Sure, it’s also possible to self-insure for staff’ compensation, nevertheless it isn’t often advisable. You may want help from a business broker-agent who also can present data on State Fund and self-insurance.
Am I Required to Have Employees’ Comp Insurance coverage in HI?
Sure, Hawaii legislation requires all employers with no less than one worker to have staff’ compensation insurance coverage, even for part-time or non permanent employees. Failure to hold protection can lead to extreme penalties, together with fines, felony expenses, and private legal responsibility for office accidents.
What Is the Greatest Employees’ Comp Insurance coverage in Hawaii?
The Hartford is the most effective staff’ compensation insurance coverage supplier for small companies in Hawaii. It combines industry-specific experience (e.g., retail, hospitality, development) with insurance policies tailor-made to Hawaii’s strict labor legal guidelines.
How A lot Does Employees’ Compensation Insurance coverage Price in Hawaii?
The common value of employee’s comp insurance coverage in Hawaii is $165.00 per 30 days or $1,980.00 per yr relying on {industry} danger, claims historical past, and worker roles. Excessive-risk industries like development pay extra, whereas office-based companies pay much less.
How Many Workers Set off a Employees’ Comp Requirement?
In Hawaii, you solely want 1 worker to be required by the Hawaii labor code to buy staff comp insurance coverage. It’s essential to additionally pay for staff’ compensation protection in case your staff are injured or ailing as a result of their job.
