Managed Service Provider (MSP) Insurance
MSPs carry the weight of their clients' entire technology operations every single day. Managed Service Provider insurance gives technology firms the specialized protection they need when a system failure, a security breach, or a client dispute puts their business and their reputation on the line.
Coverage for the Businesses That Keep Businesses Running
As a managed service provider, your clients trust you with their networks, their data, their uptime, and increasingly their entire operational continuity. That level of responsibility creates a level of liability that most commercial policies are simply not designed to address. A single ransomware attack that spreads through a client's network, an outage that costs a client significant revenue, or a data breach traced back to your managed environment can generate claims that reach well beyond your contract value.
Professional Liability
Covers claims alleging that your managed services, technical recommendations, or failure to perform caused a client financial harm, including outages, data loss, missed SLAs, and project failures across any client environment you support.
Cyber Liability
Protects your business from the financial consequences of a breach, ransomware event, or network security failure that originates in your environment or spreads through your managed infrastructure to affect one or more of your clients simultaneously.
Technology Errors and Omissions
Covers claims arising specifically from the technology products, platforms, and services you provide, including failures in the tools, software, or systems you deploy and manage on behalf of your clients.
General Liability
Covers third-party bodily injury and property damage claims arising from your business operations, including incidents at client sites, vendor interactions, and any in-person engagement your team conducts as part of service delivery.
Insurance Unlimited Benefits
Local Expertise
We understand life in the West and the risks that come with it. From mountain roads to sudden storms, our team knows how to match coverage to the realities of our communities.
Personal Relationships
Insurance is not one size fits all. We take the time to get to know you, your family, or your business so your coverage reflects what matters most.
Trusted Support
When the unexpected happens, you will have a partner who stands with you. Our agents are here to guide you through claims, answer questions, and provide peace of mind every step of the way.
Independent MSPs
The right policy protects your contracts, your client relationships, and your business assets when an incident in one client environment threatens the financial stability of your entire practice.
Mid-Size and Enterprise MSPs
Comprehensive coverage ensures your entire client base, your internal systems, and your service delivery team are protected at the scale your operation demands.
Small Shop or Enterprise MSP, This Coverage Scales With Your Clients
Managed service providers operate at the center of their clients' technology ecosystems, which means when something goes wrong, the liability rarely stays contained to a single system or a single client. Purpose-built MSP insurance addresses the compounded risk that comes with being the technology backbone for multiple organizations at once.
Real Stories from
Our Community
We’re proud to protect what matters most to our neighbors. These real stories from real clients reflect the trust, service, and peace of mind that define Insurance Unlimited.
Frequently Asked Questions
Your success is at the heart of everything we do. As trusted insurance agents, we’re here to provide clear answers and expert guidance, helping you navigate challenges, uncover opportunities, and achieve lasting growth.
Does professional liability cover claims from multiple clients affected by the same incident?
This is one of the most critical coverage questions MSPs face. A single misconfiguration, a compromised credential, or a vulnerability in your RMM platform can trigger claims from multiple clients simultaneously. Most professional liability policies respond on a per-claim or per-occurrence basis, but aggregate limits apply across all claims within the policy period. If your client base is large or your managed environments are deeply interconnected, discussing adequate aggregate limits with your agent is essential to ensure one widespread incident does not exhaust your coverage before every affected client's claim is resolved.
Is cyber liability covered under my professional liability policy?
Not fully, and the distinction matters significantly for MSPs. Professional liability covers the financial harm clients suffer as a result of your errors or omissions in delivering services. Cyber liability covers the costs of responding to a breach itself, including forensic investigation, client notification, regulatory defense, and your own business interruption losses. For MSPs, both coverages are essential and they work together rather than substituting for each other. A breach that originates in your environment and spreads to client networks can generate both a professional liability claim from affected clients and a cyber liability response cost that your business must absorb independently.
What if the incident was caused by a vendor tool or platform I use to deliver services?
MSPs frequently rely on third-party RMM tools, security platforms, and cloud services to deliver managed services, and vulnerabilities in those tools have been the source of some of the most significant MSP-related breaches in recent years. Even when the root cause of an incident traces back to a vendor platform rather than your own actions, your clients will likely look to you first as the party responsible for their technology environment. Professional liability coverage addresses claims tied to your service delivery regardless of where the underlying failure originated, and technology errors and omissions coverage adds an additional layer of protection specifically for the platforms and tools you deploy on clients' behalf.
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Protect your home, your business, and your future. With Insurance Unlimited, you’re covered every step of the way, from plains to peaks.
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