We are not your typical insurance company. We are different.

Many companies like to make that claim, but we really are unique.

To begin with, HEMIC wasn’t started by investors focused on their own financial gain. We originated in Hawaii’s legislature in response to challenges facing our state’s workers’ compensation system.

Our creation as a private, mutual insurance company was a demonstration of innovative leadership in Hawaii: the legislation that enabled our existence represented an unprecedented partnership of business and government working together to solve a problem.

As a private company, we are not a financial burden to either the State or its taxpayers.

As a mutual insurance company, we are owned by our policyholders. Their interests are our interests. When they do well, we do well and when we do well, they do even better. HEMIC has returned over $25 million in dividends to our policyholders over the past nine years.

Our uniqueness gives us a built-in incentive to work harder. To work smarter. To provide better service. To introduce new products, new services, and entirely new ways to protect our policyholders, like additional coverages through our subsidiary company, HIMI. It means we have a built-in incentive to succeed together.

And together, we have succeeded. Within two years of our creation, we produced over $10 million in premium revenue. Ten years later we exceeded $100 million in policyholders’ surplus – and were awarded an “A” rating from A.M. Best. Today we are the largest provider of workers’ compensation insurance in the state of Hawaii, serving over 6,000 business and 75,000 employees, and we are committed to keeping our financial promises for many years to come.

Our commitment takes an enormous amount of hard work, but we consider the safety and productivity of Hawaii’s economy to be our kuleana – not just our birthright.