Free Employer Guide
A Guide to Smarter
Workers' Comp in Hawaii
This guide breaks down what actually drives your workers' comp premium, what happens when you file a claim, and the two things you can manage before your next renewal.
Which parts of your premium you can actually influence
What to expect, step by step, if you ever have to file a claim
How a captive model compares to a typical brokered policy
This guide is for general informational purposes only and does not constitute legal or regulatory advice.
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You'll Walk Away Knowing
What influences your rates
Which parts of your premium you can actually influence, and which are set for you no matter what
What to expect, step by step, if you ever have to file a claim in Hawaii
What a real safety program should include, and how it lowers your rate over more than one renewal
How a captive model compares to a typical brokered policy, so you know what you're working with either way
A checklist to bring to your next renewal conversation, whoever you're working with today
Why This Matters
Non-compliance costs
$100 per employee, per day
The penalty for operating without required workers' comp coverage in Hawaii, or $500 minimum, whichever is greater
$165,514
The maximum fine Hawaii's workplace safety regulator can issue for a willful or repeated violation
THE PROSERVICE DIFFERENCE
Two parts of your rate can be controlled. ProService manages both with you.
What actually shapes your EMR comes down to two things: how safety is managed, and how claims are managed once they happen. Through ProService's fully owned workers' comp captive in Hawaii, our team runs your safety programs and manages your claims directly, helping contain costs over time and manage your rates.
Safety, managed directly
A proactive in-house safety team, at no additional cost, working to keep your team safe and your claims down before renewal.
Claims, managed directly
Our in-house team handles your claim start to finish, not a third-party adjuster you've never met.
“ ProService is a perfect partner for us because they do help us care for our staff.
– Surface Shield Roofing & Construction Co.
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