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HI — Licensed & ActiveUpdated Mar 2026

Commercial Insurance in Hawaii.

Protect your business in the Aloha State's unique island economy.

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From the bustling tourism of Honolulu to the agricultural heartlands of Maui, Hawaii's economy is unlike any other. With unique risks like hurricanes and a complex regulatory landscape, your business needs specialized protection. RISKX is licensed in Hawaii and crafts insurance policies that cover the specific needs of island businesses.

Key Industries in Hawaii

Tourism & HospitalityGovernment & DefenseReal EstateRetail TradeHealthcareAgriculture

Workers' Compensation in Hawaii: Required

Hawaii requires workers' compensation for all employers with one or more employees. The market is competitive, allowing for private insurance carriers. There are very few exceptions to this rule.

Hawaii Regulatory Notes

Workers' comp is mandatory for all employers with 1+ employees.

Hawaii is a no-fault state, which impacts commercial auto insurance requirements.

Hurricane and flood insurance are typically excluded from standard commercial property policies and must be purchased separately.

The Prepaid Health Care Act requires employers to provide health insurance to employees who work more than 20 hours a week.

Workers' Comp Rate Details — Hawaii

Index Rate
$2.52
per $100 payroll
National Rank
#1
of 51 jurisdictions
vs. Median
131%
above national median
Required At
1 employee
High Cost State
  • •Required for all employers — most expensive state in the nation
  • •Hawaii Employers' Mutual Insurance Company (HEMIC) is the state fund
  • •Temporary disability insurance (TDI) also required

Penalty for non-compliance: Class C felony; fines up to $10,000

Rate data: Oregon DCBS 2024 Premium Rate Ranking Study. Index rates represent the median rate per $100 of payroll across all classification codes.

Auto Insurance Minimums — Hawaii

Min. BI Liability
20/40
per person/accident ($K)
Min. Property Damage
$10,000
PIP Required
Yes
No-Fault State
Yes

No-Fault State: Hawaii uses a no-fault auto insurance system. Personal Injury Protection (PIP) covers your own injuries regardless of fault. This affects how commercial auto claims are handled and may require additional coverage.

  • •No-fault state
  • •PIP required ($10K)
  • •Lower minimums than most states

Regulatory Overview — Hawaii

Key Facts

  • •Most expensive state for workers' comp — 131% above the national median
  • •Also requires Temporary Disability Insurance (TDI) and Prepaid Health Care
  • •No-fault auto state with PIP requirement
  • •Limited carrier availability due to island geography
Compare all 50 states

Hawaii Insurance FAQ

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Free: Workers' Comp State Requirements Checklist

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