Hawaii Workers Comp Calculator
Estimate workers compensation premiums for Hawaii businesses using state-specific rate adjustments.
Workers Comp Premium Estimator
Formula: (Payroll ÷ 100) × Class Rate × Experience Mod
Enter total annual wages paid to employees in this job class
State adjustment factor: 1.30x (vs. national average)
1.00 = average. Below 1.00 = better safety record (discount). Above 1.00 = more claims (surcharge).
Workers Comp in Hawaii: What to Know
Market System
monopolistic
Avg. Rate
$2.50/100
Rate Factor
1.30x national avg
Hawaii workers compensation rates are adjusted by a factor of 1.30x compared to the national average. This reflects Hawaii's specific claims experience, medical costs, and regulatory environment.
Like all states, Hawaii requires most employers to carry workers compensation insurance. Premiums are based on your payroll by job class, your company's claims history (experience modifier), and the state fund rates.
Common Class Code Rates for Hawaii
| Job Type | Code | Nat'l Rate | HI Rate |
|---|---|---|---|
| Office/Clerical | 8810 | $0.35 | $0.45 |
| Outside Sales | 8742 | $0.58 | $0.75 |
| Automobile Salesperson | 8748 | $0.65 | $0.85 |
| Retail Store | 8017 | $1.50 | $1.95 |
| Department Store | 8061 | $1.40 | $1.82 |
| Grocery Store | 8006 | $2.10 | $2.73 |
| Restaurant/Food Service | 9079 | $2.50 | $3.25 |
| Fast Food Restaurant | 9058 | $2.20 | $2.86 |
Rate per $100 of payroll. State rate = national avg × 1.30 (Hawaii factor). Estimates only.