NEXT offers the best professional liability insurance in Hawaii with affordable rates and solid customer service. Simply Business ranks second, while Coverdash takes third place.
Professional Liability Insurance in Hawaii
NEXT earns the highest score of 4.72 out of 5 in our analysis of the best professional liability insurance in Hawaii.
Get matched to the best professional liability insurance company in Hawaii below.
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Updated: October 27, 2025
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Best Professional Liability Insurance in Hawaii: Key Takeaways
NEXT is our top pick for professional liability insurance in Hawaii, followed by Simply Business and Coverdash.
Your industry risk, client contracts, potential claim costs and budget determine the best Hawaii professional liability insurance for you.
Assess your needs first, then compare quotes from multiple providers to find the best professional liability insurance in Hawaii.
Find Insurance for Your Business
Select your industry and state to get a customized quote.
Industry
State
Best Professional Liability Insurance Companies in Hawaii
| NEXT Insurance | 4.72 | $77 |
| Simply Business | 4.50 | $80 |
| Coverdash | 4.44 | $82 |
| biBERK | 4.43 | $83 |
| Hiscox | 4.36 | $81 |
| Thimble | 4.25 | $80 |
How Did We Determine These Rates and Rankings?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
LEARN MORE ABOUT BUSINESS INSURANCE
Professional liability coverage is just one part of protecting your Hawaii business. Understanding how different coverage types work together creates stronger financial protection for small businesses.
Best Hawaii Professional Liability Insurance Reviews
Once you know you need professional liability insurance, explore what makes each provider exceptional and why they earned top spots on our best professional liability study in Hawaii.
NEXT
Overall Best Provider
MoneyGeek Rating
4.7/ 5
4.7/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average Monthly Premium
$77These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies.Our Survey: Claims Process
3.9/5Our Survey: Recommend to Others
4.8/5
Simply Business
Runner-Up for Best Provider
MoneyGeek Rating
4.5/ 5
4.5/5Affordability
4.2/5Customer Experience
4.9/5Coverage Options
Average Monthly Premium
$80These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies.Our Survey: Claims Process
3.7/5Our Survey: Recommend to Others
4.2/5
Cheapest Professional Liability Insurance Companies in Hawaii
NEXT provides low-cost professional liability insurance in Hawaii at $77 monthly ($919 annually). Thimble offers another affordable option for business owners at $80 per month.
| NEXT Insurance | $77 | $919 |
| Thimble | $80 | $963 |
| Simply Business | $80 | $963 |
| Hiscox | $81 | $975 |
| Coverdash | $82 | $983 |
| biBERK | $83 | $998 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
Average Cost of Professional Liability Insurance in Hawaii
Professional liability insurance costs in Hawaii average $81 monthly ($967 annually), which is $3 more than the national average. Mortgage brokers pay the highest rates at $172 monthly, while florists pay the lowest at $38. Premiums also depend on business location, claims history and coverage limits.
| Accountants | $151 | $1,813 |
| Ad Agency | $116 | $1,397 |
| Auto Repair | $84 | $1,007 |
| Automotive | $79 | $953 |
| Bakery | $56 | $676 |
| Barber | $45 | $542 |
| Beauty Salon | $51 | $609 |
| Bounce House | $61 | $727 |
| Candle | $44 | $530 |
| Cannabis | $127 | $1,528 |
| Catering | $85 | $1,015 |
| Cleaning | $57 | $681 |
| Coffee Shop | $63 | $759 |
| Computer Programming | $107 | $1,285 |
| Computer Repair | $65 | $784 |
| Construction | $78 | $938 |
| Consulting | $110 | $1,320 |
| Contractor | $68 | $820 |
| Courier | $48 | $573 |
| DJ | $47 | $569 |
| Daycare | $112 | $1,349 |
| Dental | $93 | $1,120 |
| Dog Grooming | $56 | $677 |
| Drone | $111 | $1,329 |
| Ecommerce | $65 | $780 |
| Electrical | $65 | $779 |
| Engineering | $98 | $1,181 |
| Excavation | $70 | $840 |
| Florist | $38 | $459 |
| Food | $105 | $1,259 |
| Food Truck | $61 | $729 |
| Funeral Home | $85 | $1,018 |
| Gardening | $41 | $492 |
| HVAC | $82 | $986 |
| Handyman | $57 | $680 |
| Home-based business | $38 | $461 |
| Hospitality | $78 | $931 |
| Janitorial | $53 | $634 |
| Jewelry | $66 | $789 |
| Junk Removal | $71 | $854 |
| Lawn/Landscaping | $54 | $646 |
| Lawyers | $151 | $1,808 |
| Manufacturing | $62 | $742 |
| Marine | $90 | $1,076 |
| Massage | $111 | $1,331 |
| Mortgage Broker | $172 | $2,062 |
| Moving | $85 | $1,015 |
| Nonprofit | $51 | $616 |
| Painting | $68 | $821 |
| Party Rental | $55 | $665 |
| Personal Training | $73 | $871 |
| Pest Control | $98 | $1,178 |
| Pet | $46 | $556 |
| Pharmacy | $57 | $687 |
| Photography | $66 | $790 |
| Physical Therapy | $100 | $1,194 |
| Plumbing | $93 | $1,113 |
| Pressure Washing | $57 | $686 |
| Real Estate | $129 | $1,549 |
| Restaurant | $84 | $1,012 |
| Retail | $58 | $694 |
| Roofing | $102 | $1,229 |
| Security | $108 | $1,292 |
| Snack Bars | $48 | $576 |
| Software | $95 | $1,141 |
| Spa/Wellness | $115 | $1,378 |
| Speech Therapist | $104 | $1,252 |
| Startup | $74 | $889 |
| Tech/IT | $103 | $1,242 |
| Transportation | $96 | $1,148 |
| Travel | $101 | $1,211 |
| Tree Service | $80 | $960 |
| Trucking | $117 | $1,408 |
| Tutoring | $61 | $736 |
| Veterinary | $121 | $1,453 |
| Wedding Planning | $79 | $951 |
| Welding | $80 | $957 |
| Wholesale | $64 | $765 |
| Window Cleaning | $67 | $801 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
How Much Professional Liability Insurance Do I Need in Hawaii?
Professional liability insurance requirements in Hawaii depend on your specific profession. Health care providers, attorneys and contractors face mandatory coverage rules, while other fields rely on client contracts and industry standards. Even without legal requirements, your coverage amount should reflect your risk exposure and clients' expectations. Many higher-risk professions carry at least $1 million per occurrence and $3 million aggregate coverage.
Your coverage decision depends on three factors:
Your Industry Risk
Some industries in Hawaii carry greater liability exposure than others due to the nature of their work and the potential impact of errors. The professional liability risks for accountants in smaller communities like Hilo or real estate agents in residential markets are lower than those in high-risk fields like architects designing luxury resorts in Honolulu or technology consultants serving the islands' growing tech sector.
Client Requirements
Many clients and contracts in Hawaii require proof of professional liability insurance at specific limits before they'll work with you. Large corporations, government contracts, and major resort developments often set minimum coverage levels of $1 million or more. Meeting these requirements is essential for securing business opportunities, especially with Hawaii's tourism industry and major infrastructure projects.
Potential Claim Costs
Your coverage should reflect the possible financial impact of a lawsuit in Hawaii's legal environment. Small mistakes might result in minor damages and legal fees of a few thousand dollars, while errors in larger projects like resort developments or major construction could lead to six-figure damages plus substantial legal costs. Consider the size and scope of your projects when determining coverage limits.
How to Get the Best Professional Liability Insurance in Hawaii
Our step-by-step guide lets you get business insurance that fits your budget and addressed your professional liability needs in Hawaii.
- 1Evaluate Your Business Risks
Different industries face varying liability exposures in Hawaii. A local architect typically needs higher coverage limits than an independent marketing consultant. Review your client contracts and industry standards to determine appropriate coverage amounts.
- 2Find a Knowledgeable Local Agent
Look for an agent who knows Hawaii's business landscape and understands how your small business liability insurance cost varies by location and industry. Local expertise helps match coverage to your specific industry needs and client expectations. Regional agents understand which insurers work best for Hawaii businesses.
- 3Request Multiple Detailed Quotes
Request quotes from at least three insurers, comparing cheap business insurance options and policy terms like exclusions and deductibles. A $1,000,000 policy from one company may offer different protections than another insurer's identical limit.
- 4Research Insurer Financial Strength
When researching business insurance in Hawaii, look beyond price. Strong financial ratings and claims handling reputation matter more than low premiums. Check AM Best ratings and read professional reviews to gauge reliability. Choose insurers with proven track records in your industry.
- 5Explore Bundling Opportunities
Many insurers offer discounts when you combine professional liability with other small business insurance coverage types, such as general liability or business owner's policies. Bundling often reduces overall costs while simplifying policy management. Ask about available package deals in Hawaii.
- 6Maintain Continuous Policy Coverage
Professional liability operates on a claims-made basis, covering only claims filed while your policy remains active. Secure tail coverage or prior acts protection when switching insurers. Coverage gaps leave you vulnerable to costly lawsuits.
How to Prevent Professional Liability Claims in Hawaii
Most professional liability claims in Hawaii result from miscommunication and unclear expectations, not actual professional mistakes. Even small disputes can create thousands of dollars in legal fees. These proven strategies help businesses prevent conflicts and avoid expensive claims.
Document Everything
Keep written records of all client communications, including email confirmations, project scope changes and client approvals. This documentation creates a clear paper trail of what was agreed upon and helps prevent disputes over project details. Written proof protects your business by showing exactly what clients requested and approved.
Use Detailed Contracts With Clear Scope
Create comprehensive contracts that clearly define your responsibilities, project timelines and specific deliverables. Include detailed descriptions of what services are included in your fee and what falls outside the agreed scope. This clarity helps prevent conflicts when clients request additional work beyond the original agreement.
Communicate Project Changes Immediately
Confirm all client-requested changes in writing before proceeding with additional work. Document how these changes will affect project timelines, budgets and final deliverables. This immediate communication prevents misunderstandings about extra costs or extended deadlines.
Set Realistic Expectations Upfront
Be transparent with clients about project timelines, potential challenges and expected results from the start. Honest communication about your capabilities and limitations helps avoid overpromising on deliverables. This upfront honesty reduces the likelihood of client dissatisfaction and subsequent disputes.
Keep Detailed Project Records
Maintain thorough records of all work performed, decisions made and the reasoning behind your professional recommendations. These detailed records demonstrate your diligence and professional standards if your work is ever questioned. Comprehensive documentation provides strong protection when defending the quality of your services.
Hawaii Professional Liability: Bottom Line
Professional liability insurance decisions in Hawaii start with understanding your specific risks and client demands. NEXT leads our rankings, but your industry requirements, contract terms and budget matter most. Assess your business needs first, then connect with a local agent to compare coverage options that deliver solid financial protection for your practice.
Hawaii Professional Liability Insurance: FAQ
Here are frequently asked questions about professional liability insurance in Hawaii.
What does professional liability insurance cost in Hawaii?
Professional liability insurance costs between $77 and $83 monthly in Hawaii. NEXT offers the lowest rates at $77, while biBerk charges $83. Your premium depends on your industry's risk level, claims history, coverage limits and business location.
Which professional liability insurance company is best in Hawaii?
NEXT leads professional liability insurance in Hawaii with an impressive 4.72 out of 5 rating for affordability and excellent customer service. Simply Business ranks second at 4.50, while Coverdash takes third place with a solid 4.44 score, both offering competitive coverage options for island businesses.
How much professional liability coverage do I need in Hawaii?
Professional liability coverage needs in Hawaii vary based on your industry's risk level, client contract demands and potential lawsuit expenses. High-risk professions like architects and consultants typically need higher coverage limits, while businesses with lower exposure may require less comprehensive protection.
Is there a difference between professional liability and E&O insurance in Hawaii?
Professional liability and errors and omissions (E&O) insurance both cover mistakes in your professional services. The different names come from industry preferences. Lawyers often say E&O while healthcare providers say professional liability, but the financial protection works the same way.
How We Scored the Best Professional Liability Insurance Companies in Hawaii
A professional liability lawsuit can destroy a small business in Hawaii. We examined insurers throughout the state to identify which companies provide the most reliable financial protection for businesses from startups to well-established firms.
Our Scoring System
- Affordability (50%): Cost drives most small business insurance choices. We gave affordability the highest weight because finding quality coverage within budget is essential for business survival.
- Customer experience (30%): Claims support can make or break a business facing litigation. We analyzed J.D. Power ratings and complaint records from the Hawaii Department of Insurance to measure service quality.
- Coverage options (15%): We reviewed policy terms and exclusions to ensure they match the needs of local professional service providers.
- Financial strength (5%): AM Best ratings confirmed each recommended insurer has the financial resources to pay claims when businesses need protection most.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Alliance Health. "Provider Insurance Requirements." Accessed November 1, 2025.