Who is required to carry workers' compensation insurance in Hawaii?

In Hawaii, the requirement to carry workers' compensation insurance extends to all employers who have one or more employees. This ensures that all workers, regardless of the size of the company, are protected in the event of a work-related injury or illness. The law is designed to provide coverage for medical expenses and lost wages, helping to secure workers' rights and promote a safer work environment.

Options that specify only certain employers, such as those with more than five employees, do not reflect the inclusive nature of the regulation, as even smaller employers with just one employee must comply with this requirement. Similarly, stating that only government agencies or self-employed individuals are required to carry insurance overlooks the broader responsibility placed on private employers in the state. Thus, the accurate choice highlights the comprehensive nature of Hawaii's workers' compensation laws, reinforcing the mandate that every employer must ensure their employees have access to this essential protection from the outset of employment.