Protect your business from covered claims involving professional errors, omissions, negligence, or advice that causes a client financial loss.

PROFESSIONAL LIABILITY INSURANCE FOR COLORADO BUSINESSES

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EXISTING CLIENT SERVICE

Independent Agency

Multiple Insurance Companies

Personal Local Service

Insurance Experience Since 2011

PROTECTION FOR THE WORK YOU DO

Professional liability insurance, also called errors and omissions coverage, helps protect businesses that provide professional services or advice.

ERRORS & OMISSIONS

Helps protect your business when a client alleges that an error or omission in your professional services caused a financial loss.

NEGLIGENCE CLAIMS

Helps cover certain claims alleging that your business failed to meet an expected professional standard of care.

INACCURATE ADVICE

Helps protect against covered claims that professional recommendations, consulting, or advice caused a client financial loss.

MISSED DEADLINES

May provide protection when a client alleges that a missed deadline or delayed service caused a covered financial loss.

FAILURE TO DELIVER SERVICES

Helps protect your business from certain claims that promised professional services were incomplete, inadequate, or not delivered.

LEGAL DEFENSE COSTS

May help pay eligible attorney fees, court costs, and other defense expenses associated with a covered professional liability claim.

Protection For Your Expertise.
Personal Guidance.

As an independent insurance agency, McCloskey Advisor Group can compare coverage from multiple insurance companies instead of offering products from only one company. We look beyond the price to help you understand the coverage, limits, deductibles, and options included with each quote.

✓‍ ‍Quotes from multiple insurance companies

✓ Coverage explained in plain language

✓  Options based on your profession and services

✓ Continued support as your business grows

COMPARE MY OPTIONS

ADDITIONAL PROTERELATED COVERAGE FOR YOUR BUSINESS

GENERAL LIABILITY

Helps protect your business from covered third-party bodily injury, property damage, and personal or advertising injury claims.

CYBER LIABILITY

Helps protect against covered data breaches, cyberattacks, ransomware, and other digital risks.

EMPLOYMENT PRACTICES LIABILITY

Helps protect against certain employment-related claims involving discrimination, harassment, retaliation, or wrongful termination..

COMMERCIAL UMBRELLA

Provides additional liability limits above certain eligible underlying business policies.

PROFESSIONAL LIABILITY INSURANCE FAQs

  • Professional liability insurance helps protect businesses against certain claims that professional services, advice, errors, or omissions caused a client financial loss. It is also commonly called errors and omissions insurance.

  • Consultants, accountants, real estate professionals, technology firms, designers, health and beauty providers, and other businesses that provide specialized services or advice may benefit from this coverage.

  • The terms are often used interchangeably. However, the name and type of coverage can vary by profession and insurance company.

  • Depending on the policy, coverage may apply to professional mistakes, negligence, inaccurate advice, missed deadlines, incomplete services, legal defense expenses, settlements, and judgments..

  • General liability insurance typically focuses on third-party bodily injury, property damage, and personal or advertising injury claims. Professional mistakes usually require separate professional liability coverage.

  • Common exclusions may include intentional or dishonest acts, known claims, employment disputes, cyber incidents, and services performed outside the covered scope. Exclusions vary by policy.

  • Your coverage needs may depend on your profession, contracts, revenue, clients, potential financial exposure, and the cost of defending a claim.

  • Coverage limits may usually be adjusted with approval from the insurance company. Changes to your business or underlying policies should be reported so your umbrella coverage can be reviewed.

  • Pricing can vary based on your profession, services, annual revenue, number of employees, coverage limits, deductible, contracts, and claims history.