Large Deductible Program

HEMIC’s Large Deductible Program is available for large employers who have the capacity to self-insure a portion of their workers’ compensation and benefit from HEMIC’s expertise in claims, safety and risk management.

HEMIC offers a range of deductible options from $15,000 up to $1,000,000 per occurrence, in line with NCCI’s Rating Values. Optional aggregate limits are also available.

A large deductible option provides employers with greater control over their workers’ compensation program. This structure offers a stronger incentive for risk management and safety, leading to reduced workers’ compensation costs.

As a 100% local company dedicated to serving Hawai‘i’s businesses and workers, we partner with employers and their agents to develop a workers’ compensation program tailored to fit their organizations’ needs.