Protect Your Expertise — and Your Reputation.
Even the most skilled professionals can face misunderstandings or mistakes. At Rocky Mountain Insurance Advisors (RMIA), we help Castle Rock professionals protect their business and reputation with Professional Liability Insurance (Errors & Omissions or E&O) — coverage designed for claims related to advice, services, or professional judgment.
Professional Liability Insurance, also known as Errors & Omissions (E&O) coverage, protects your business if a client claims you made a mistake, gave incorrect advice, or failed to deliver services as promised.
Unlike general liability (which covers physical damage or injuries), E&O focuses on financial harm caused by professional errors, negligence, or omissions.
If your expertise is part of what you sell — this coverage is essential.
Castle Rock and Douglas County are home to thousands of small businesses, consultants, and licensed professionals — from real estate and tech to legal and healthcare.
Even with years of experience, one misunderstanding or client dispute could lead to an expensive lawsuit.
E&O coverage helps cover defense costs, settlements, and judgments — protecting both your finances and your credibility.
Common Claims Include:
A client accuses you of giving bad advice that caused financial loss
A project is delayed or incomplete due to an oversight
Data loss or reporting errors harm a customer’s business
Professional negligence or misrepresentation is alleged
A strong E&O policy typically includes:
1. Professional Errors or Omissions
Covers mistakes, missed deadlines, or overlooked details that cause a client financial harm.
2. Negligence Claims
Protects against allegations that your work didn’t meet expected professional standards.
3. Legal Defense Costs
Pays attorney fees, court costs, and settlements — even if the claim is groundless.
4. Misrepresentation or Inaccurate Advice
Covers financial loss caused by errors in advice, documentation, or communication.
5. Breach of Contract (Optional)
Some policies include limited coverage for claims involving broken service agreements.
RMIA helps protect a wide range of Castle Rock professionals, including:
Real estate agents and mortgage brokers
Accountants and financial advisors
Attorneys and law offices
Marketing and creative agencies
IT consultants and software developers
Engineers, architects, and designers
Healthcare and wellness practitioners
If your business provides consultation, design, advice, or specialized services, E&O coverage is vital.
Castle Rock’s growing service economy and proximity to Denver’s corporate markets mean more opportunity — and more exposure to client risk.
RMIA understands local business contracts, compliance requirements, and client expectations across industries. We’ll customize your policy to meet Colorado’s professional regulations and protect you from modern-day risks like digital documentation errors and remote work miscommunications.
Independent & Local: We work with multiple carriers to find policies that fit your profession and budget.
Professional Focus: Over 20 years serving Colorado’s professional and consulting community.
Tailored Coverage: We match your policy to your contracts, client requirements, and service scope.
Claim Support That Works: We guide you through every step, from initial notice to resolution.
General liability covers bodily injury and property damage. Professional liability covers financial loss caused by your professional advice or services.
Not always, but many industries (like real estate, accounting, and healthcare) require it by regulation or contract.
It depends on the policy. Some include limited breach of contract coverage. RMIA helps tailor this based on your needs.
Typical limits range from $1 million to $5 million, depending on your industry, client size, and risk exposure.
Yes, most policies can extend to cover your employees and approved contractors working under your direction.
Experience clarity, confidence, and care with every step — from discovery to claim.
We assess your coverage needs and explain everything in plain language — no jargon, no confusion.
As an independent agency, we partner with multiple carriers to bring you the most competitive coverage options.
When you have a question, change, or claim — we’re just a call away, ready to assist you personally.
You’ve worked hard to build your business — don’t let one claim put it at risk.
Let RMIA design Professional Liability Insurance tailored to your field, clients, and peace of mind.
