What Technology E&O Insurance Requirements Apply in Hawaii?

Hawaii’s 2025 Department of Defense solicitation says E&O may be required for technology suppliers in a specific procurement; a 2024 Department of Defense solicitation separately described professional and technology-services liability and network/cyber coverage. Ask which terms govern your own award.

What Is Tech E&O Insurance?

Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. Read the national Technology errors and omissions (E&O) guide.

What Should You Watch for With Tech E&O Insurance in Hawaii?

Treat E&O as Solicitation-Specific
The 2025 Hawaii DOD RFP says E&O is available for technology suppliers and may be required in the specific procurement being conducted. Before bidding or renewing, check the solicitation and resulting contract instead of assuming a statewide E&O limit. ¹
Compare Service Claims With Network Claims
A 2024 Hawaii DOD procurement separately names Professional and Technology-Based Services Liability and Network and Cyber Liability; cyber coverage can include the technology-services liability if that liability is not already included. Ask the broker to map the requested risks and avoid a gap or duplicate assumption between the forms. ²
Track the Certificate Through the Contract Term
The 2024 DOD RFP permits a vendor to meet the relevant insurance requirements through its own policy or a subcontractor’s policy, and requires evidence to remain on file through the contract term and extensions. If implementation or support is subcontracted, ask whose policy responds to each service and who supplies proof of renewal. ²

Which Tech E&O Insurance Providers Have Hawaii License Records?

These providers publish a national listing for Technology errors and omissions (E&O); the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Hawaii. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

At-Bay
Insurance producer, Surplus-lines broker · checked 2026-09-28
At-Bay Insurance Services LLC
At-Bay’s license page lists P&C producer and surplus-lines broker license numbers for all 50 states and the District of Columbia. These are company disclosures and do not establish product availability in each jurisdiction. ⁸
At-Bay offers primary and excess technology errors and omissions insurance for businesses with revenue up to $5 billion.
Coalition
Insurance producer, Surplus-lines broker · checked 2026-09-28
Coalition Insurance Solutions, Inc.
Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. ⁹
Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service.
Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹⁰
Corgi lists technology errors and omissions insurance for technology products and services.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹³
TechInsurance arranges technology errors and omissions and cyber coverage for technology businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. ¹⁴
Vouch lists technology errors and omissions among the core coverages in its technology-company programs.

Who Regulates Insurance in Hawaii?

Hawaiʻi Insurance Division

The Insurance Division oversees insurance companies and producers, examines Hawaiʻi-based insurers, reviews rate and policy filings, and investigates insurance complaints. It is part of the Department of Commerce and Consumer Affairs. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 1-844-808-3222

Surplus-Lines Tax and Stamping Office in Hawaii

Reported tax rate. 4.68% of premium when Hawaiʻi is the home state ^6,⁷

Hawaiʻi applies a 4.68% tax when it is the insured’s home state. Surplus-lines coverage is placed with an unauthorized insurer, so do not assume the Hawaiʻi Insurance Guaranty Association protects the policy; confirm the insurer’s status and policy terms with your broker.

What Should You Ask Before Buying Tech E&O Insurance in Hawaii?

For this Hawaii solicitation, does the insurance schedule require E&O for my software, implementation or support work?
Does the proposed network/cyber policy duplicate or leave a gap beside technology-services liability?
If subcontractors perform configuration or hosting, whose policy and certificate satisfy each contract obligation?

Tech E&O Insurance in Hawaii: Frequently Asked Questions

Does Hawaii require every technology supplier to carry E&O?

No universal requirement is established by the sources reviewed. The 2025 Hawaii DOD solicitation says E&O may be required for the specific procurement, so check the RFP and resulting contract for your service scope. ¹

Can a Hawaii procurement combine Tech E&O and cyber coverage?

Yes. A 2024 DOD RFP said Network and Cyber Liability could include Professional and Technology-Based Services Liability if that coverage was not already included under the professional E&O policy. Ask the broker and contracting officer to confirm the actual wording. ²

Sources for Tech E&O Insurance in Hawaii

1
CA-202508 RFP Solicitation Packet, First Addenda. Hawaii Department of Defense, Engineering Office; pp. 24–26, insurance provision 5.2 and material-default clause; RFP staffing support for HI-EMA. Accessed 2026-09-28.
2
CA-202407 Request for Proposal Packet. Hawaii Department of Defense, Engineering Office; pp. 40–41, §8.13 Liability Insurance; solicitation-specific terms. Accessed 2026-09-28.
3
Insurance Division. Hawaiʻi Department of Commerce and Consumer Affairs; Official division homepage; scope, license search, complaints, contact information. Accessed 2026-09-28.
4
Insurance Licenses and Registrations. Hawaiʻi Insurance Division; Insurance license information; links to state-based system for license applications and status. Accessed 2026-09-28.
5
Filing a Complaint. Hawaiʻi Insurance Division; Online complaint form and published consumer phone. Accessed 2026-09-28.
6
Surplus Lines Tax. Hawaiʻi Insurance Division; 4.68% rate and home-state application under HRS § 431:8-315. Accessed 2026-09-28.
7
HRS § 431:16-105: Definitions. Hawaiʻi Legislature; Defines a member insurer as an insurer licensed or holding a certificate of authority in Hawaiʻi; cross-read with HRS § 431:8-102 and § 431:8-301 for unauthorized surplus-lines placements. Accessed 2026-09-28.
8
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
9
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
10
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
11
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
12
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
13
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
14
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Technology E&O Insurance Requirements Apply in Hawaii?

What Is Tech E&O Insurance?

What Should You Watch for With Tech E&O Insurance in Hawaii?

Treat E&O as Solicitation-Specific

Compare Service Claims With Network Claims

Track the Certificate Through the Contract Term

Which Tech E&O Insurance Providers Have Hawaii License Records?

At-Bay

Coalition

Corgi

TechInsurance

Vouch