Modern two-story house with a pool
Directory · Hawaii · Workers' compensation

Who writes workers' compensation in Hawaii

Top insurer groups from the NAIC market share report; the state's list carries no lines of authority.

Hawaii Employers Group wrote the most workers' compensation in Hawaii in 2025, $112.3M and 30.9% of the state's premium; the top five groups hold 66%. Hawaii's company list doesn't say which lines each company is licensed for, so the ranking below is the NAIC's top 10 groups; every licensed company is on the Hawaii page.

By Sam Alishahi, independent insurance broker · All lines in Hawaii

Top 10 · NAIC table: 16 - Workers Compensation

The insurer groups that write the most workers' compensation in Hawaii

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

#Insurer groupPremium writtenShareLoss ratioMember companies here
1Hawaii Employers Group$112.3M30.93%48%Hawaii Employers' Mutual Insurance Company, Inc.
2Island Insurance Co. Group$47.0M12.95%38%Island Insurance Company, Limited, Island Premier Insurance Company, Limited, Tradewind Insurance Company, Limited
3Tokio Marine Holdings Inc Group$42.9M11.81%50%Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
4Markel Group$27.9M7.67%55%State National Insurance Company, Inc., Markel Insurance Company, Markel American Insurance Company, Essentia Insurance Company
5Starr Group$11.0M3.04%49%STARR INDEMNITY \u0026 LIABILITY COMPANY, Starr Surplus Lines Insurance Company, Starr Specialty Insurance Company
6Zurich Insurance Group$11.0M3.02%51%Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
7Fairfax Financial Group$9.8M2.69%41%United States Fire Insurance Company, Zenith Insurance Company, Hudson Insurance Company, North River Insurance Company (The)
8Travelers Group$9.7M2.66%35%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
9Berkshire Hathaway Group$8.7M2.40%22%GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
10Chubb Ltd Group$8.3M2.29%38%Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
Turned down?

Last resort for workers' compensation in Hawaii

Last resortLinesWhereHow to get in
Workers' comp residual marketsworkers' compNCCI pools in 27 jurisdictions; monopolistic state funds in ND, OH, WA, WY; CA State Compensation Insurance Fund is the statutory last resortNCCI online application (ACORD 130 and 133); NCCI's VCAP flags voluntary carriers interested in the risk; NC and MA use their own systems Texas has no residual market (coverage is optional for most Texas employers).Source
Surplus lines and Lloyd's open marketallall states, under each state's diligent-search rulesThrough surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last stepSource

Method and source

Source: the Hawaii insurance regulator company list, read 2026-10-18. Source is the directory of authorized insurers inside the 2025 Annual Report of the Insurance Commissioner (PDF pages 47-92; business year 2024, directory current as of the report date). Every row has a 5-digit NAIC code. No company type (stock/mutual/etc.) is given, so type is empty for all; the list mixes life/health, P&C and title insurers and 'lines' carries the report's classes-of-insurance letters as given: AH=Accident & Health or Sickness, L=Life, C=Casualty, M=Marine, IM=Inland Marine, OM=Ocean Marine, P=Property (Fire), S=Surety, T=Title, V=(Motor) Vehicle. 'classes_raw' is the verbatim class string; 'note' holds the report's parenthetical restrictions/remarks (e.g. Credit Only, Workers Comp Only, Reinsurance, V added effective ..., Redomesticated ...). 'domicile' is the state of the home office printed under each name (blank for Canadian home offices and one entry whose state is missing in the PDF); 'home_office' is the city. 'since' is the Hawaii admission date. Risk retention groups registered in Hawaii appear in the same directory and are kept. Captive insurers (no NAIC codes) and HMOs/mutual benefit societies/dental insurers listed on later pages are not included. Hawaii publishes no surplus lines eligibility list (export-list state), so surplus_lines is empty. "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.

Need workers' compensation in Hawaii?

Someone will insure it. I find who.

Send what you need covered and what happened before. I match it to the companies that take it, down to the last-resort plan if it comes to that. I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.

Not shopping yet?

Get a reminder before your renewal.

Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.