Workers’ Compensation
Protect your team and your bottom line with workers’ compensation, required by law for most businesses. Prevent accidents with our safety and risk management resources — and if an employee is injured, get fast, local support to help them quickly return to work and health. FICOH workers’ compensation insurance complies with and pays benefits according to Hawaii’s statutory requirements.
To learn more, contact your independent insurance agent, or to find an agent, click the button below.
Affordable
Get competitive rates and flexible payment plans.
Reliable
Insure confidently. FICOH is financially strong, rated “A+” by A.M. Best.
Flexible
Customize your coverage package to meet your company’s needs. Additional coverage solutions are available.
Local
Count on our local team for responsive, knowledgeable, and proactive service.
FAQs
What is workers’ compensation insurance?
Workers’ compensation is a type of insurance that provides benefits for employees who are injured or become ill on the job. Employers pay for this, which typically covers medical expenses, lost wages, rehabilitation costs, and death benefits for a work-related fatality.
Is workers’ compensation insurance required in Hawaii?
Yes. Workers’ compensation is required for all employers in Hawaii who have one or more employees, including those who are full-time, part-time, permanent, or temporary.
How much is workers’ compensation insurance in Hawaii?
The average cost in Hawaii is $77 per month or $928 annually, as of September 30, 2025. Premiums will vary depending on the type of business and amount of payroll.