Professional Liability Insurance
One claim can threaten everything you've worked to build. Professional Liability insurance shields your business from costly lawsuits arising from errors, omissions, and professional advice gone wrong.
Protecting the Work You've Built
Professional Liability insurance, also called Errors and Omissions (E&O) insurance, covers professionals when a client claims your service, advice, or work caused them financial harm. Whether you're a consultant, contractor, or licensed specialist, one dispute can result in devastating legal costs. This coverage ensures you can defend yourself and keep your business moving forward.
Errors and Omissions (E&O)
Covers claims alleging a mistake or failure in the professional services you provided caused a client financial loss.
Legal Defense Costs
Pays attorney fees, court costs, and related expenses even when the claim against you turns out to be groundless.
Negligence Claims
Protects you if a client alleges your work fell below the professional standard of care expected in your industry.
Claims-Made Coverage
Covers claims filed during your active policy period, including prior acts coverage for work completed before renewal.
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 Professionals and Consultants
Freelancers, advisors, and consultants face direct client accountability. E&O coverage protects your income and reputation when disputes arise over your work or guidance.
Small Business Owners and Service Firms
Agencies, firms, and service-based businesses need protection against client claims that could drain operating capital and threaten long-term stability.
If Clients Depend on Your Expertise, This Coverage Is for You
If you provide advice, services, or expertise to clients for a fee, you carry professional risk. A single dissatisfied client can file a claim that costs tens of thousands to resolve, regardless of fault.
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.
Is Professional Liability the same as General Liability insurance?
No, and the difference matters. General Liability covers bodily injury and property damage, such as a client slipping in your office. Professional Liability covers financial harm a client claims resulted from your advice, services, or professional mistakes. Many businesses need both policies to be fully protected.
What types of professionals typically need this coverage?
Almost any professional who provides services or advice for compensation should consider it. Common examples include consultants, accountants, real estate agents, IT professionals, marketing agencies, engineers, attorneys, healthcare providers, and financial advisors. If a client can hold you responsible for a financial outcome tied to your work, you have professional liability exposure.
What happens if a claim is filed after my policy expires?
Most Professional Liability policies are written on a claims-made basis, meaning the policy in force when the claim is filed is the one that responds. If your policy lapses, you may lose coverage for past work. That is why maintaining continuous coverage and asking about tail coverage or extended reporting periods is essential when switching carriers or retiring.
Ready to Get Started?
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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