Workers’ Compensation Insurance

Required by law, workers' compensation insurance provides medical coverage and income replacement for employees who become injured or ill while on the job. It also protects Hawaii companies from being sued by employees for the workplace conditions that caused such an injury or illness.

Given the mandatory nature of workers' compensation coverage and the potential expense involved, the cost of workers' compensation insurance is a considerable concern for many business owners. As one of the leading providers of workers' compensation and employers liability insurance in Hawaii, Island Insurance offers very competitive rates to meet the needs of businesses of all sizes and provides coverage for medical expenses as well as reimbursement for lost wages when employees are injured on the job. Workers' comp coverage includes two types of protection:

• Workers' compensation portion of the policy pays for claims made by employees.
• The employers' liability portion pays the cost of defending lawsuits filed against the company by an employee or an employee's family.

For more information about a worker's compensation and employers liability insurance, please contact an independent insurance agent today.