From Paper Checks to Digital-First: HEMIC Modernizes Workers' Comp Payments

Hawaii Employers’ Mutual Insurance Company (HEMIC), a workers’ compensation carrier serving employers across Hawaiʻi, replaced paper checks and manual lockbox processing with InvoiceCloud, growing digital adoption and AutoPay enrollment since going live in 2025.

61%

Digital payment adoption

439%

Increase in AutoPay enrollment

72%

Increase in paperless adoption

60%

Of policyholders paying digitally within three months of go-live

The Challenge

HEMIC had never accepted credit cards due to card processing fees and only allowed employers to pay with check via a lockbox or a traditional bank transfer. Paper checks and lockbox routing slowed processing down and offered little visibility into how policyholders were paying. HEMIC needed a partner who understood the complexities running a workers’ comp program, including premium audits, employee-count fluctuations, and pay-as-you-go arrangements don’t fit a standard monthly bill.

Our Approach

HEMIC chose InvoiceCloud for the fit already in place: a Guidewire PartnerConnect Premier-tier partner with an integration live on the Guidewire Marketplace. When API questions came up, InvoiceCloud brought in a Guidewire resource and connected HEMIC with other workers’ comp mutuals who had done the same integration. Rollout started with inbound premiums, saving disbursements for later. Regular premiums moved to AutoPay, while audit payments kept policyholder choice. Pay-as-you-go customers saw no disruption, and pay-by-text added another option. Credit cards meant HEMIC would pay processing fees for the first time, so InvoiceCloud built a convenience fee model that kept those costs off HEMIC’s books. Both teams wrote the policyholder emails and website updates so no employer got blindsided.

The Result

HEMIC saw results within weeks of going live. Several million dollars in premium payments moved through InvoiceCloud electronically in the first week alone, and 60% of policyholders were paying through the platform within three months. HEMIC also gained visibility it never had before, into reminder email click-throughs, pay-by-text usage, and other channel-level data that shows how a payment starts.

Several million dollars in premium payments collected electronically the first week live

60% of policyholders paying digitally within three months of go-live

Reduced manual check and lockbox processing, freeing staff time

Hear From Our Customers

"InvoiceCloud has been an excellent partner in supporting HEMIC's digital transformation initiatives. Their solution, combined with a highly engaged customer success team, has helped us increase digital adoption and deliver a better payment experience for our policyholders."

Leila Kagawa

VP, Enterprise Strategy & Transformation, HEMIC

Get the full story

Read the full story of how HEMIC left paper checks behind, built on the Guidewire Marketplace, and set up a payment experience that fits the way workers’ comp works.

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