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W. R. Berkley Corporation, founded in 1967, is one of the nation`s premier commercial lines property casualty insurance providers. Each of the operating units in Berkley participates in a niche market requiring specialized knowledge about a territory or product. Our competitive advantage lies in our long-term strategy of decentralized operations, allowing each of our units to identify and respond quickly and effectively to changing market conditions and local customer needs. This decentralized structure provides financial accountability and incentives to local management and enables us to attract and retain the highest caliber professionals. We have the expertise and resources to utilize our strengths in the present environment, and the flexibility to anticipate, innovate and respond to whatever opportunities and challenges the future may hold.
In 1996, HEMIC was founded to serve Hawaii`s employers and employees, both large and small, now and in the future. This is not only our mission but our kuleana -- and we take it very seriously. Each day at HEMIC, we work hard to help employers run safer, more productive businesses, to facilitate injured workers` return to productive capacity, and to promote Hawaii`s economic strength and vitality. As a local company, we live and work here in Hawaii. We understand the needs and realities of what it means to do business here. The businesses and workers that we serve are our friends, family and community. As the leading provider of workers` compensation insurance in the state of Hawaii, we insure over 7000 Hawaii businesses and protect over 75,000 workers. We are committed to serving Hawaii for many years to come, which means that we have an unwavering focus on sustaining the capital strength necessary to keep our financial promises in the future. As Hawaii`s only mutual insurance company, our accountability is to our policyholders, who are our shareholders. One proud example of HEMIC`s strength is our declaration of a $2.75 million dividend in 2015 – our ninth consecutive year of sharing financial success with our policyholders. Last year, over 75% of HEMIC policyholders received a dividend payment. As a leader in safety and loss prevention programs, we work to prevent injuries as well as care for them. We work hand-in-hand with employers and workers to educate, advocate and practice safety. If an injury on the job does occur, we work closely to ensure the employee receives timely care, optimal recovery and return to work. All of this takes a lot of hard work, but we consider the safety and productivity of Hawaii`s economy to be more than just our birthright – it is our kuleana.
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