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
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 >>