Hawaii Workers' Compensation Insurance

Your business must comply with the states where your employees perform work - not necessarily where the business was founded or is based. If your business operates in multiple states, or employees travel across state lines to work, you may need to modify your policy to guarantee coverage in the event of a claim.

You are required to carry workers' compensation insurance in Hawaii if:

• You have any employees working in Hawaii, full-time or part-time, permanent or temporary. 
• You’re going to work for someone else. Unless you’re an employee, you won’t be covered by their insurance policy and may need to provide proof of work comp. Are you an employee or an independent contractor? 10 ways to tell >> 

Other regulations that may affect you:

• If you are a real estate salesperson or broker and paid solely on a commission basis, you may not be required to be covered by a policy. 
• Workers' compensation insurance covers wage replacement and medical bills for employees injured on the job. To protect against other injuries at your place of business, you may need general liability insurance. Learn more about general liability >>

Factors That Impact Coverage

• You are a sole proprietor or partner: In Hawaii, you are excluded from coverage but have the option to include yourself.
• You are a corporate officer: If you own at least 50% of the corporation, are excluded from coverage in Hawaii but have the option to be covered.
• You are member of an LLC: Hawaii includes you in coverage. Pending legislation, if passed, would allow LLC Members to be excluded under certain circumstances.