Which businesses are generally required to obtain workers' compensation insurance in Hawaii?

In Hawaii, businesses are generally required to obtain workers' compensation insurance if they have one or more employees. This requirement ensures that employees are protected in case they experience work-related injuries or illnesses. Workers' compensation insurance provides coverage for medical expenses, lost wages, and rehabilitation costs, thereby supporting both the employee and the employer in managing the financial implications of workplace injuries.

The law is designed to create a safe work environment and to protect employees' rights to compensation without the need for litigation. This means that even small businesses with just a handful of employees must have coverage. Therefore, the requirement applies to businesses with multiple employees, making this option the correct choice.

While all businesses, regardless of size, may be encouraged or even required to ensure employee safety and financial protection, in the context of Hawaii’s specific regulations, the need for coverage primarily arises when there are employees present. Hence, larger businesses or those with multiple staff members would naturally fall under stricter requirements for obtaining workers' compensation insurance.