HEMIC’s Large Deductible Program is now available for large employers who have the capacity to self-insure a portion of their workers’ compensation while benefiting 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 occurence, in line with NCCI’s Rating Values. Optional aggregate limits are also available.

A large deductible program can provide employers with greater control over their workers’ compensation program and greater incentive for risk management and loss prevention, resulting in reduced workers’ compensation costs over the long-term.

As a 100% local company dedicated to servicing Hawai`i’s businesses and workers, we are here to work in partnership with employers and their agents to develop a workers’ compensation program tailored to best fit their organization’s needs.