NEXT is ranked best overall for workers' comp insurance in Hawaii. It offers excellent customer service and comprehensive coverage options. Hawaii business owners can also rely on Simply Business and Coverdash.
Workers' Comp Insurance in Hawaii
NEXT is Hawaii's top workers' comp provider, with a score of 4.59 out of 5 based on our analysis.
Compare top Hawaii workers' comp insurance providers and find your ideal coverage.
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Updated: September 10, 2025
Advertising & Editorial Disclosure
Key Takeaways
NEXT, Simply Business and Coverdash rank as the top workers' comp insurance providers in Hawaii based on overall performance scores.
Your business type, number of employees, past insurance claims and available budget will determine which workers' comp provider fits your needs in Hawaii.
Compare quotes from multiple providers, evaluate their industry knowledge, review their service history and examine coverage details to find the right workers' comp insurance for your Hawaii business.
Best Workers' Comp Insurance Companies in Hawaii
| NEXT | 4.59 | 1 |
| Simply Business | 4.50 | 2 |
| Coverdash | 4.43 | 3 |
| biBERK | 4.42 | 4 |
| Hiscox | 4.35 | 5 |
| Thimble | 4.35 | 5 |
How Did We Determine These Rates and Rankings?
These rates are estimates based on MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
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LEARN MORE ABOUT BUSINESS INSURANCE IN HAWAII
Best Hawaii Workers’ Comp Insurance Reviews
NEXT and Simply Business emerge as the premier workers' compensation insurance providers in Hawaii, offering exceptional coverage for local businesses.
NEXT
Best Overall Provider
MoneyGeek Rating
4.6/ 5
4.3/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average monthly premium
$73Based on average costs across multiple business typesOur survey: Claims process
3.9/5Rating from verified customer feedbackOur survey: Recommend to others
4.8/5Percentage of customers who would recommend NEXT
Simply Business
Runner-Up Best Provider
MoneyGeek Rating
4.5/ 5
4.5/5Affordability
4.2/5Customer Experience
4.9/5Coverage Options
Average monthly premium
$75Based on average costs across multiple business typesOur survey: Claims process
3.7/5Based on customer satisfaction surveysOur survey: Recommend to others
4.2/5Percentage of customers who would recommend Simply Business
Cheapest Workers' Comp Insurance Companies in Hawaii
In Hawaii, NEXT is the most affordable workers' comp coverage provider at $73 monthly ($870 annually). Thimble and Hiscox offer competitive rates at $73 and $75 per month, respectively. The table below shows costs from all companies we analyzed:
| NEXT | $73 | $870 |
| Thimble | $73 | $881 |
| Hiscox | $75 | $903 |
| Simply Business | $75 | $905 |
| Coverdash | $77 | $918 |
| biBERK | $79 | $946 |
| Chubb | $89 | $1,072 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Your actual premium depends on where your business is located, what industry you're in, how many employees you have, and other factors insurers consider.
Average Cost of Workers’ Comp Insurance in Hawaii
Workers' compensation insurance in Hawaii costs businesses an average of $77 per month or $928 annually. Hawaii's rates run just $3 above the national monthly average of $74. Your business's actual premium depends on your industry's risk level, number of employees, annual payroll and previous claims experience.
Average Cost of Workers' Comp in Hawaii by Industry
In Hawaii, workers' compensation insurance costs vary dramatically by industry risk level. Speech therapists pay the lowest premiums at $6 per month, while roofing companies face the highest rates at $872 monthly. This significant difference reflects the varying workplace injury risks across different professions.
| Accountants | $21 | $257 |
| Ad Agency | $17 | $202 |
| Auto Repair | $163 | $1,953 |
| Automotive | $121 | $1,457 |
| Bakery | $56 | $676 |
| Barber | $15 | $179 |
| Beauty Salon | $15 | $183 |
| Bounce House | $43 | $511 |
| Candle | $42 | $500 |
| Cannabis | $87 | $1,050 |
| Catering | $77 | $925 |
| Cleaning | $51 | $614 |
| Coffee Shop | $49 | $589 |
| Computer Programming | $30 | $357 |
| Computer Repair | $25 | $305 |
| Construction | $190 | $2,283 |
| Consulting | $32 | $381 |
| Contractor | $173 | $2,078 |
| Courier | $238 | $2,854 |
| DJ | $15 | $178 |
| Daycare | $14 | $169 |
| Dental | $12 | $141 |
| Dog Grooming | $68 | $812 |
| Drone | $28 | $340 |
| Ecommerce | $23 | $277 |
| Electrical | $60 | $722 |
| Engineering | $40 | $480 |
| Excavation | $113 | $1,353 |
| Florist | $64 | $770 |
| Food | $44 | $531 |
| Food Truck | $48 | $575 |
| Funeral Home | $28 | $338 |
| Gardening | $49 | $588 |
| HVAC | $66 | $797 |
| Handyman | $98 | $1,179 |
| Home-based | $11 | $126 |
| Hospitality | $73 | $877 |
| Janitorial | $51 | $615 |
| Jewelry | $32 | $380 |
| Junk Removal | $147 | $1,758 |
| Lawn/Landscaping | $40 | $475 |
| Lawyers | $56 | $669 |
| Manufacturing | $62 | $747 |
| Marine | $159 | $1,906 |
| Massage | $15 | $184 |
| Mortgage Broker | $15 | $175 |
| Moving | $276 | $3,308 |
| Nonprofit | $34 | $406 |
| Painting | $147 | $1,766 |
| Party Rental | $39 | $468 |
| Personal Training | $27 | $318 |
| Pest Control | $74 | $892 |
| Pet | $32 | $390 |
| Pharmacy | $7 | $80 |
| Photography | $18 | $215 |
| Physical Therapy | $7 | $86 |
| Plumbing | $67 | $806 |
| Pressure Washing | $88 | $1,061 |
| Real Estate | $32 | $380 |
| Restaurant | $66 | $796 |
| Retail | $37 | $438 |
| Roofing | $872 | $10,469 |
| Security | $55 | $658 |
| Snack Bars | $46 | $550 |
| Software | $28 | $335 |
| Spa/Wellness | $18 | $221 |
| Speech Therapist | $6 | $75 |
| Startup | $14 | $163 |
| Tech/IT | $29 | $348 |
| Transportation | $244 | $2,931 |
| Travel | $7 | $88 |
| Tree Service | $231 | $2,776 |
| Trucking | $284 | $3,409 |
| Tutoring | $11 | $127 |
| Veterinary | $21 | $247 |
| Wedding Planning | $30 | $361 |
| Welding | $122 | $1,467 |
| Wholesale | $42 | $506 |
| Window Cleaning | $220 | $2,637 |
How Much Workers' Comp Insurance Do I Need in Hawaii?
In Hawaii, businesses must carry workers' compensation insurance as soon as they hire their first employee. This covers sickness or injury on the job.
Employers who fail to maintain required workers' compensation coverage face fines of up to $100 per employee per day. The state may also pursue criminal charges.
Sole proprietors
Business owners operating alone can typically opt out of workers' compensation coverage since they are considered self-employed rather than employees
Corporate officers
Executive officers owning at least 25% of company stock can elect to exclude themselves from coverage by filing a written waiver
Independent contractors
Workers who maintain control over their work methods and schedule while providing their own tools generally qualify for exemption
Real estate agents
Licensed real estate professionals working on commission basis are typically exempt when operating under independent contractor agreements
Domestic workers
Household employees working fewer than 40 hours per week or earning below $750 per quarter may be exempt from coverage requirements
Agricultural workers
Small farms with limited seasonal workers or family members often qualify for exemption from mandatory coverage
Religious workers
Members of religious organizations who have taken vows of poverty while performing duties for their church can operate without coverage
Remote workers
Employees working exclusively from home in low-risk occupations may qualify for exemption if they meet specific criteria
How to Get the Best Workers' Comp Insurance in Hawaii
While workers' compensation insurance in Hawaii may seem complex, reasonable business insurance costs are possible. Compare rates from many providers.
- 1
Check coverage requirements
Hawaii state law requires most businesses with employees to have workers' comp insurance.
- 2
Collect business data
Prepare accurate payroll records, employee counts, and job classifications before requesting quotes.
- 3
Get multiple insurance quotes
Contact at least three insurance carriers for quotes.
- 4
Find industry-specific expertise
Select insurers who understand your business's risks.
- 5
Review provider performance
Examine each insurer's claim processing speed and complaint history.
- 6
Examine policy details
Review coverage limits and exclusions. Consider payment flexibility options.
- 7
Schedule annual reviews
Check your coverage each year since changes in payroll, employee count or claims history can affect your insurance.
Hawaii Workers’ Comp: Bottom Line
Hawaii offers several strong options for workers' compensation insurance. Our analysis shows NEXT, Simply Business and Coverdash as the leading providers in Hawaii. Business owners should compare quotes from these insurers, as coverage needs vary based on industry type and company size.
Hawaii Workers' Comp Insurance: FAQ
Understanding workers' comp insurance requirements and costs across Hawaii can be challenging for business owners. Find answers to your most pressing questions in our comprehensive FAQ guide below.
Is workers' comp insurance required for all Hawaii businesses?
Hawaii state law requires employers to provide workers' compensation insurance as soon as they hire their first employee.
How much does workers' comp insurance cost in Hawaii?
NEXT offers the lowest-priced workers' comp insurance in Hawaii at $73 per month ($870 annually).
What does workers' comp insurance cover in Hawaii?
Hawaii workers' comp insurance covers medical expenses and partial wage replacement for work-related injuries or illnesses. Benefits include doctor visits, hospital care medications and rehabilitation.
Which workers' comp insurance company is best in Hawaii?
NEXT leads Hawaii's workers' comp providers with a 4.59 overall score, excelling in customer service (4.7) and coverage options (4.8). Simply Business follows at 4.50, offering the most comprehensive coverage choices (4.9). Coverdash ranks third with 4.43, known for competitive rates.
What happens if I don't have workers' comp insurance in Hawaii?
Operating without workers' compensation insurance in Hawaii is illegal. Employers face fines up to $100 per employee per day, criminal penalties and potential business closure.
Do sole proprietors need workers' comp insurance in Hawaii?
Sole proprietors in Hawaii are exempt from workers' compensation requirements.
How do I choose the right workers' comp insurance company in Hawaii?
Contact multiple workers' comp insurance providers in Hawaii to get at least three quotes for comparison.
How We Scored the Best Workers' Comp Insurance Companies in Hawaii
- Affordability (50%): Cost drives every small business insurance decision in Hawaii's expensive market. We compared monthly premiums across all companies, since even comprehensive policies won't help if you can't afford them.
- Customer experience (30%): When your employee gets hurt, you'll need an insurer that handles claims quickly and treats injured workers fairly. We used J.D. Power ratings, Hawaii Department of Insurance complaint data and independent reviews.
- Coverage options (15%): We evaluated each company's policy flexibility, add-on options and coverage limitations for specific Hawaii industries and regulatory requirements.
- Financial strength (5%): Premium savings don't matter if your insurer struggles financially. We checked AM Best ratings to ensure recommended carriers can deliver on their promises.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.