Workers' Comp Insurance for Painting Businesses in Hawaii

Painting contractors (NCCI 5474) face moderate-to-high rates due to fall, ladder, and chemical exposure. Interior-only painters may qualify for slightly lower rates than exterior or commercial painters working at heights in Hawaii. The Hawaii workers' compensation market is governed by HEICA, and the average rate statewide is approximately $1.69 per $100 of payroll.

Hawaii requirements for painting businesses

When required: Required for any employer with at least one employee, full or part-time.

Sole proprietors: Sole proprietors are exempt unless they elect.

Owner / officer exclusion: Officers may exclude themselves.

Painting class codes used in Hawaii

Why painting workers' comp is tricky in Hawaii

Carriers scrutinize painters who work above 3 stories, perform sandblasting, or apply industrial coatings — these activities can trigger different (higher) codes.

Tips for Hawaii painting contractors

• ✓ Stay under 3 stories for the standard code; higher work re-classes
• ✓ Lead-paint certification is required for older buildings — RRP rule
• ✓ Spray vs roll equipment can affect underwriter appetite

Painting workers' comp in other states

Rates and requirements for painting contractors vary widely by state. Compare Hawaii to other major markets:

Other industries in Hawaii

Hawaii workers' comp rates and requirements for other common industries: