Workers' Compensation by state

Workers' compensation requirements in Hawaii

Required

Direct answer

Does Hawaii require workers' compensation insurance?

Yes. Hawaii requires workers' compensation coverage once a business has one or more employees, under the Hawaii Workers' Compensation Law. Hawaii requires employers with one or more employees, full-time or part-time, to carry workers' compensation coverage. Coverage is provided through private insurers or an approved self-insurance program.

Reviewed by Cornerstone Staff28 years of financial services state licensing experienceLast verified July 29, 2026

How the mandate works

Hawaii requires employers with one or more employees, full-time or part-time, to carry workers' compensation coverage. Coverage is provided through private insurers or an approved self-insurance program.

Coverage trigger: One or more employees
If you go without coverage: Employers without required coverage can face daily fines and personal liability, and responsible officers may be held individually accountable.

Notable exemptions

Exemptions are narrow and fact-specific; confirm your situation with the regulator or an agent before relying on one.

Sole proprietors and partners with no employees
Certain domestic workers earning below the statutory quarterly threshold
Real estate salespersons and some voluntary or unpaid workers

Statutes and sources

Hawaii Workers' Compensation Law

Haw. Rev. Stat. sect. 386-1 et seq.

Regulator: Hawaii Disability Compensation Division . Last verified 2026-07-29 from the official source .

Related Hawaii compliance pages

Insurance

Hawaii cyber liability

Licensing and bonds

Hawaii licensing, bond, and regulator directory

Get Hawaii coverage handled

Share a few details and an agent will respond within one business day.

Request a quote Talk to an agent