Workers’ Comp Insurance Hawaii

An A-Z guide on everything you need to know before you purchase a Hawaii Workers' Comp Insurance Policy

In Hawaii, employers must have workers’ comp insurance coverage for their employees, including temporary and part-time workers. This coverage ensures that all workers can receive benefits for work-related illnesses and injuries. 

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Even temporary workers need to be covered by a policy

Self-employed professionals do not have to have workers’ compensation, but they can choose to cover themselves

Do employers have to have workers’ comp insurance in Hawaii?

In Hawaii, employers are required to have workers’ compensation insurance. This applies regardless of how large the company is or how many employees work there. This also includes workers of all types, including those who work less than 40 hours a week or are employed temporarily.

Do self-employed professionals need to carry workers’ compensation in Hawaii?

No, self-employed professionals do not have to have workers’ compensation, but they can choose to cover themselves. This includes sole proprietors, members of LLCs, partners, and corporate officers who own 50% or more of a company. 

Who is exempt from Hawaii workers’ compensation requirements?

The majority of workers in Hawaii must be covered by workers’ compensation insurance but there are a few exceptions, including the following: 

  • Voluntary workers for religious, education, charitable, or nonprofit organizations
  • Student workers performing service for tuition, room, or board
  • Ordained, licensed, or commissioned ministers, rabbis, or priests
  • Domestic workers making under $225 a quarter
  • Domestic workers of public welfare recipients
  • Some 25% stockholders
  • Commission-only real estate brokers and salespeople

How much is workers’ comp coverage in Hawaii?

Your Hawaii workers’ comp rate will depend on the following factors:

  • The type of business you have
  • The size of your payroll
  • Your safety record
  • Claim history
workers comp policy cost

How can Hawaii small business owners save money on workers' comp?

Having a workers’ compensation policy is required by law if you have a business with employees in Hawaii.

However, there are a few ways to save money:

How does workman’s comp work in HI?

Workers’ compensation in Hawaii is similar to most other states. You’ll first get a quote on workers’ comp from one or several insurance companies.

To finalize, you'll need to pick a policy, sign the papers and pay the premium,

After the year is over, you will have an audit to check if your payroll matched the original amount the policy was based one.

You will get a refund if you overpaid or a bill if you underpaid.

What does workers’ comp cover in Hawaii?

Workers who file a workers' comp claim in Hawaii can receive benefits for the following:

workers comp covers medical bills

Medical bills

workers comp covers lost wages

Lost Wages

Workers' comp coverage also protects employers from legal action. This means that if an employee sues your business because of a workplace injury, the insurance will cover the legal costs of the case.

How can you get workers’ comp insurance in Hawaii?

Most businesses will start by getting quotes from insurance agents. The agents will know which insurance companies are right for your business. At Kickstand Insurance, we can provide you with a nearly instant online quote.

If you are a very high risk business or have a bad claims history, insurance companies won’t be comfortable giving you an insurance policy. In that case, you can purchase it from the Hawaii Employers’ Mutual Insurance Company.

Some employers may also choose to self-insure against any workers’ compensation claims. This means you cover your own expenses instead of relying on an insurance carrier. This usually only makes sense for very large companies.

What happens if I don’t have workers’ comp insurance in HI?

Most businesses must have workers’ comp in Hawaii. If they do not, there are consequences. 

The business can face fines of $100 per employee per day with a minimum fine of $500. Companies can also be sued by workers who are injured on the job and wish to recover damages. 

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What are workers’ comp death benefits in HI?

The Hawaii workers’ compensation death benefits are available to surviving families upon a qualifying employee death.

These include: 

  • Up to $4,495 for a burial allowance
  • Up to 66% of the worker’s average weekly wage
  • Benefits can be paid for up to 312 weeks or until a child is 18 or 22

In Hawaii, spouses and children are eligible for death benefits. If none exist, dependent parents, siblings, grandparents, grandchildren, and non-dependent parents may get benefits.

How do workers’ comp settlements work in Hawaii?

Workers’ compensation settlements in Hawaii act as voluntary agreements between an employer and employee where they choose to resolve a claim for a lump sum payment. 

This payment can help the employee pay for illness or injury costs. Structured payments may also be made in some cases. All settlements must be approved by the Hawaii Disability Compensation Division.

What statutes of limitations are in effect for workers’ comp in Hawaii?

The statute of limitations is five years from the date of the injury and two years from the date the injury becomes apparent. 

The two-year period starts at the moment when the injury becomes disabling, and the worker can no longer do their job. In acute injuries, this starts when the effects of the injury are felt. The timeline can be delayed for diseases.

How do I get a workers’ comp insurance policy with Kickstand Insurance?

Start by filling out a short online form about your business. We’ll use that info to get you an estimated quote. Then, one of our experienced agents will contact you to review the quote and make sure you are getting the absolutely lowest rate possible for your business. Once the quote is finalized, you’re ready to buy the policy - often with coverage starting that day!

Learn more about Workers' Comp in Hawaii

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Why does it matter?

  • Avoid surprise bills at audit
  • Make sure all your employees are properly covered
  • Protect yourself from lawsuits

What do we check?

  • Business categorized correctly
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It’s time to get the coverage you need. Just complete our simple online form and we’ll get you a no-obligation quote and connect with one of our expert HI agents. It’s that simple!