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Hawaii Medical Malpractice Insurance

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Cunningham Group is here for Hawaii Physicians & Medical Professionals

We are Medical Malpractice Insurance Specialists helping physicians, medical professionals and medical groups across specialties get medical malpractice coverage at cost-effective rates – as well as providing valuable tools and resources.

Founded in 1947, our experienced liability specialists will customize a policy to the specific needs of you and your practice.
Get all the physician discounts you are entitled to, including: Risk Management, Claims-free and New to Practice.
We ensure you receive Prior Acts, so you avoid purchasing separate tail malpractice coverage.
We publish historic rate data for every county in the State, in partnership with the Medical Liability Monitor – the nation’s leading independent source of Medical Liability Insurance and healthcare industry news.
Access to ALL MD, our network of Connecticut healthcare defense lawyers. Free Practice Tools, including Online Patient Satisfaction Survey System and Risk Management tools.
Experience excellent customer service with our dedicated account team.

Cunningham Group Has You Covered

On average, Cunningham Group saves Physicians and Medical Professionals 20% on their medical malpractice insurance.

2021 Hawaii Malpractice Insurance Marketplace Guide

Hawaii Med-Mal Fast Facts

  • Most Common Limits of Liability: $1 million/$3 million
  • Major Malpractice Insurers:
    • Medical Ins. Exchange of CA
    • Lexington Insurance Co.
    • The Doctors Company
    • Dentists Insurance Co.
    • American Casualty Co. of Reading PA
  • Cost of Medical Malpractice Insurance: Moderate
  • Pending State Legislation in 2021 that could affect your rates?: No

The Hawaii Malpractice Landscape

Hawaii has moderate medical malpractice premiums, but all is not perfect for physicians in the Aloha State. Rising cost of doing business and shrinking reimbursement rates have contributed to many physicians taking early retirement or leaving the state for the mainland. Hawaii has been facing these access-to-care issues for many years, and, beginning in 1995, the state legislature has passed several measures to help ameliorate the problem.

Tort Reform in Hawaii

The Hawaii legislature passed several medical liability reform measures in 1995 in response to the state’s access-to-care issues. These reforms included a $375,000 cap on noneconomic damages, modifications to the state’s joint-and-several liability doctrine and the implementation of medical claims conciliation panels, which review potential cases and issue advisory opinions on liability and damages. Review by the panel is a prerequisite to filing a claim, and the panel will determine whether the defendant—or defendants—was negligent and determine the amount of economic, noneconomic and punitive damages. The panel’s findings are nonbinding and both parties have the option of rejecting its recommendation in favor taking the claim to court. The law also allows for a judge to require a medical malpractice action be arbitrated in lieu of the panel hearing. Also in 1995, Hawaii adopted the doctrine of comparative negligence, wherein the plaintiff’s action is barred if his or her negligence exceeds the combined negligence of all other defendants. Otherwise, the claimant’s recovery is diminished in proportion to his or her degree of negligence.

Does Hawaii have…

  • Damage Caps? Yes, Hawaii has a $375,000 cap on noneconomic damages. There is no limit on total damages.
  • Patient Compensation Fund? No
  • Apology Law? Yes, statements or gestures that express sympathy, commiseration or condolence can be made regarding the consequences of an event in which the person making the statement or gesture was a participant.
  • Collateral Source Reform? No
  • Periodic Payments? No
  • Joint Liability Reform? Yes, defendants are only responsible for their share of negligence, except for the recovery of economic damages in actions involving injury or death, and for noneconomic damages in such cases, if the defendant is responsible for more than 25 percent of the negligence.
  • Limits on Plaintiff Attorney’s Fees? No strict limit, but attorney fees for all tort cases are limited to a reasonable amount, as approved by the court.

Medical Malpractice Rates in Hawaii


Medical malpractice rates in Hawaii are moderate. Rates have held steady in recent years. Specialists like obstetricians can expect to pay approximately $50,000 per year in premium costs, while general practitioners may be able to find policies for about $10,000.

Get Historic Rates

By combining our efforts with those of the Medical Liability Monitor – the nation’s leading independent source of Medical Liability Insurance news, as well as the political, legal and risk management issues that affect the healthcare industry – we’ve published historic rate data for every county in the Aloha State. You can view all the rates by completing the three simple steps on the left of this page. You’ll find the insights offered by this information invaluable when making your decision on your medical malpractice insurance coverage and carriers. This is only one of the many reasons that Cunningham Group Insurance has become the preferred online source for Hawaii physicians, healthcare professionals and medical groups looking to find the best coverage and lower their medical malpractice insurance rates.

Coverage by Hawaii County

Rates are the same across the five counties of the Hawaiian Islands. Physicians will enjoy the same moderate rates whether they practice in Maui, Kaua’i, Kalawao or Hawaii Counties – or even in the City and County of Honolulu.

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