Buy Work Comp Insurance in Hawaii

What to Know

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 >>

Where to Get It

Hawaii has a private market, meaning that you can purchase workers' compensation insurance from any private insurance carrier or agency that is licensed to write in that state. WorkCompOne can write workers' compensation policies in any U.S. state except those that practice state-run workers' compensation (Ohio, Washington, North Dakota and Wyoming). Get started on a policy with WorkCompOne >>
If you’re still having trouble, you can contact Hawaii's assigned risk pool, which will help you find coverage.

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.

Georgia Key Resources

Regulated by the Workers’ Compensation Insurance Section
(808) 586-9166
Hawaii rating bureau: NCCI (National Council on Compensation Insurance)
Hawaii assigned risk pool managed by Hawaii's Employers Mutual Insurance Company (HEMIC)
Hawaii workers' compensation state law

Other Tips

If you employ workers in multiple states or your employees are temporarily working out-of-state, you need to purchase insurance for all the states where your workers are located, according to each state’s laws.

The nature of your business, number of employees being covered and past coverage and claims are all factors in how much your premium will cost. Learn more about workers' comp insurance rates >>

Here's What You Need to Get Started

To buy workers compensation insurance, you need to request a quote from a licensed insurance agent and provide some details about your business.

Here’s what to have in front of you:

Number of employees in each class code.
Total payroll for all employees. You may be able to exclude yourself if you don't wish to be covered under the policy.
Federal ID Number. If you are a sole proprietor, you can use your Social Security Number.
Copy of your workers comp insurance policy, if you've had coverage or claims in the past few years. If you know your company's experience mod, please have your experience mod rating sheet or policy in front of you. Otherwise, you will be assigned a default rating of 1.0.

Buy Workers' Compensation Insurance in Hawaii

Who needs to be covered by the policy, where you can buy it and how much it will cost are all mandated or influenced by state law.