Professional Liability Insurance for Service-Based Businesses

Coverage For Claims Tied To Professional Advice Or Services

If your business provides guidance, services, or expertise, you face risks beyond physical damage. Professional liability insurance protects you from claims of negligence, errors, or missed deadlines that could lead to financial loss. We help Hawaii professionals and businesses get coverage that addresses the real-world challenges of service work.

What Professional Liability Can Cover

A black and white drawing of three briefcases and an envelope.

Errors and Omissions

Protection against claims that your business made a mistake, left something out, or failed to deliver promised services.

A black and white icon of a paper with scales of justice and a dollar sign.

Legal Fees and Settlements

Covers the cost of defending your business in court and paying settlements if found liable.

A black and white icon of a piece of paper with a signature on it.

Claims of Negligence

Provides coverage if a client alleges your work or advice caused financial harm.

A black and white drawing of a person , a graph , and a dollar sign.

Industries Served

Available for consultants, realtors, medical providers, contractors, designers, and more.

Common Questions About Professional Liability Insurance

  • What’s the difference between general liability and professional liability?

    General liability protects against physical risks like property damage or injury. Professional liability covers financial risks tied to the services or advice you provide. If you’re paid for your expertise, both types may be necessary.

  • Who needs professional liability coverage?

    Yes. Personal auto insurance usually does not cover accidents that occur while using your car for business tasks. A commercial auto policy or a hired and non-owned auto endorsement helps fill that gap.

  • What does E&O mean?

    E&O stands for Errors and Omissions. It’s another name for professional liability insurance and refers to coverage for mistakes or oversights that lead to client losses.

  • Is this required by law in Hawaii?

     It depends on your industry. Some professions require it to maintain licensing, while others may need it to meet contract or client demands. Even when not required, it offers critical financial protection.

  • How much coverage do I need?

    That depends on your field, the size of your contracts, and the level of risk in your work. We’ll help you assess your exposure and choose limits that align with your business.