For the best professional liability insurance in Hawaii, ERGO NEXT ranks first with the state's lowest rates, strong customer service and intuitive digital platforms. Hawaii businesses pay an average of $77 monthly, $4 below the state average, making ERGO NEXT the cheapest professional indemnity insurer in Hawaii. Simply Business, Coverdash, biBERK and Hiscox complete our top five for errors and omissions insurance.
Best Professional Liability Insurance in Hawaii
Get HI professional liability insurance quotes starting at $29 monthly from MoneyGeek's top companies like ERGO NEXT, The Hartford and Simply Business.
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Updated: February 1, 2026
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Professional Liability Insurance in Hawaii: Key Takeaways
ERGO NEXT provides both the best professional liability insurance and most affordable coverage in Hawaii at $77 monthly (Read More).
Professional liability insurance costs in Hawaii average $81 per month, placing the state among the more affordable options nationwide (Read More).
Professional liability insurance protects Hawaii businesses from financial losses due to professional mistakes, errors and claims of inadequate services (Read More).
Hawaii doesn't mandate professional liability insurance for most businesses, though health care professionals and other licensed practitioners often need coverage (Read More).
Getting multiple small business insurance quotes allows Hawaii entrepreneurs to compare coverage limits and find policies matching their specific business needs (Read More).
Best Professional Liability Insurance Companies in Hawaii
How Did We Determine the Best Professional Liability Insurance in Hawaii?
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 IN HAWAII
Professional liability coverage is just one piece of protecting your business in the Hawaii. Explore these additional Hawaii-specific guides for comprehensive protection:
1. ERGO NEXT: Best Professional Liability Insurance in HI
pros
Lowest professional liability rates in Hawaii
Ranks first for customer service and digital experience
Instant coverage and certificates in under 10 minutes
Top-rated policy management platform nationwide
cons
Founded in 2016, shorter operational history than competitors
Claims process ranks fourth among major insurers
COMPANY HIGHLIGHTS
ERGO NEXT ranks first for Hawaii professional liability insurance with the state's lowest rates and best customer service. Honolulu consultants and Maui freelancers save $48 annually compared to Hawaii's average while getting instant certificates through ERGO NEXT's digital platform, which ranks first nationally. ERGO NEXT combines affordability with personalized coverage matching that takes under 10 minutes online without agent assistance.
2. Simply Business: Best Professional Liability Insurance Coverage Option in HI
pros
Ranks first for coverage options
Backed by Travelers' A++ Superior financial rating
Get multiple quotes in 10 minutes without phone calls
Broker model finds coverage for hard-to-insure businesses
cons
Ranks eighth for claims processing
Premiums higher than state average
COMPANY HIGHLIGHTS
Simply Business ranks first for Hawaii professional liability coverage options through its broker model connecting businesses to 16+ specialized carriers. Kauai tour operators and Big Island wellness practitioners with unique risks gain access to specialized policies that direct insurers reject. You'll pay $80 monthly but compare multiple quotes in 10 minutes instead of calling individual insurers for hard-to-find coverage.
Average Cost of Professional Liability Insurance in Hawaii
Professional liability insurance costs in Hawaii vary by industry. Florists pay the least, around $38 per month, while mortgage brokers pay the highest, approximately $172 per month. You can find exact costs for your specific business type using the filtering tool below.
Data filtered by:
Select
| 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 Hawaii Professional Liability Insurance 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.
What Does Hawaii Professional Liability Insurance Cover?
Professional liability insurance protects Hawaii businesses when clients claim you made mistakes or failed to deliver promised services. Professional liability insurance covers damages from these claims and pays for legal defense costs. This coverage goes by several different names:
- Errors and omissions insurance (E&O)
- Malpractice insurance (specialized type, typically in legal and medical fields)
- Professional indemnity insurance
How Much Professional Liability Insurance Do I Need in Hawaii?
Hawaii doesn't require professional liability insurance for most businesses. Contract work typically requires $1 million per occurrence and $2 million aggregate coverage. Health care professionals need higher limits: $1 million per occurrence and $3 million aggregate annually for medical malpractice insurance. These requirements apply across Honolulu, Maui and neighbor islands.
Who Needs Professional Liability Insurance in Hawaii?
Professional liability insurance protects Hawaii businesses handling client contracts or facing professional negligence claims. Consider coverage if you work in these industries:
Tourism and Hospitality Consultants
Hawaii's tourism industry creates professional liability risks for consultants advising hotels, tour operators and restaurants. Errors in marketing strategies, operational recommendations or vendor contracts lead to financial losses for clients depending on your professional guidance.
Medical Professionals
Hawaii requires medical malpractice insurance for most health care providers due to liability risks from patient care decisions. State regulations mandate minimum coverage amounts, and medical tourism to Honolulu and Maui increases exposure for practitioners treating out-of-state patients.
Tech Professionals
Technology businesses serving Hawaii's tourism and renewable energy sectors need specialized tech E&O insurance to cover data breaches and software failures. Hawaii's geographic isolation means system downtime or data loss creates larger damages for island-based clients with limited backup options.
Real Estate Professionals
Hawaii's competitive property market requires agents and brokers to carry errors and omissions insurance for real estate to protect against claims from documentation errors or disclosure failures. Million-dollar transactions across Oahu, Big Island and Maui mean small mistakes create substantial financial liability.
Construction Contractors
Hawaii's active construction sector (driven by tourism development and residential projects) exposes contractors to professional liability claims for design errors or code violations. State building regulations and island-specific environmental requirements complicate construction work and increase risk of costly mistakes.
Financial and Consulting Professionals
Financial advisors and business consultants serving Hawaii residents and mainland investors need professional liability coverage for investment recommendations and strategic guidance. Clients depend on your professional judgment, creating liability exposure when your advice doesn't meet contractual obligations.
How to Get the Best Professional Liability Insurance in Hawaii
Follow this guide to find professional liability coverage protecting your Hawaii business within your budget. These steps simplify getting business insurance matched to your needs.
- 1Evaluate your professional liability coverage needs
Identify your business risks, client contract requirements and whether you serve island residents or mainland clients before shopping for coverage. A Honolulu architect designing tourist accommodations needs higher limits than a Hilo consultant serving neighbor island small businesses with limited budgets.
- 2Partner with a Hawaii-based insurance agent
Find an agent who understands Hawaii's unique business challenges and how business insurance costs differ between Oahu's urban market and neighbor islands' smaller economies. Local agents explain whether your Maui tourism operation faces different liability exposures than a Honolulu firm serving military contractors and federal clients.
- 3Request quotes and compare policy terms
Get quotes from at least three insurers, comparing affordable business insurance rates and policy details like inter-island travel coverage, mainland lawsuit provisions and deductibles. A Kauai IT consultant serving resort properties should examine whether policies cover travel to client sites across islands, not just premium costs.
- 4Evaluate insurer financial strength and reputation
Look beyond price to find insurers with strong financial ratings, mainland claims handling experience and knowledge of Hawaii's tourism-dependent economy. Check AM Best ratings and read reviews from other Hawaii professionals who've filed claims involving out-of-state parties or complex inter-island disputes.
- 5Ask about package policy discounts
Hawaii's higher insurance costs make bundling especially valuable when you combine professional liability with other types of business insurance coverage, like general liability or business owner policies. A Big Island CPA firm serving both local businesses and mainland investors saves 15% to 20% by bundling coverage, offsetting Hawaii's higher premiums.
- 6Maintain continuous coverage without gaps
Professional liability policies protect you only from lawsuits filed while your policy is active, even for work completed years earlier. A Honolulu consultant switching carriers after relocating from the mainland should ensure the new policy covers prior acts from both Hawaii and previous locations, or purchase tail coverage (extended reporting coverage) from the previous insurer.
Get Hawaii Professional Liability Insurance Quotes
MoneyGeek matches Hawaii professionals with top professional liability insurance providers for your industry. Use our tool below to find your best company match and get quotes for your business.
Get Matched to the Best HI Professional Liability Insurer for You
Select your industry and state to get a customized HI professional liability insurer match and get tailored quotes.
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Hawaii Professional Liability: Bottom Line
Finding the right professional liability insurance in Hawaii requires understanding your business risks and choosing the right provider. ERGO NEXT earns our top rating, but your industry, client contracts and budget should guide your final decision. Assess your needs, then work with a local agent to compare options and secure coverage that financially protects your Hawaii business.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.