Error & Omission Insurance in Denver

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Years of Experience

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Delighted Clients

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Providers

Reliable E&O Coverage from Denver’s Trusted Team

At K3’s Insurance Agency, we’re committed to protecting Denver professionals with coverage that fits your business, your clients—and your peace of mind. Our error-omission insurance Denver services are built around prevention, protection, and response: we help you avoid mistakes and cushion the impact if something unexpected happens.

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Why Businesses Trust K3’s Insurance Agency

As one of the premier EO insurance companies in Denver, we don’t believe in one-size-fits-all solutions. We help you understand the difference between coverage options, explain what’s relevant to your profession, and guide you toward the insurance policy that fits clearly and confidently.

No two professional services providers face the same risks. That’s why we go beyond standard templates. We analyze your client contracts, scopes of work, and service models to create E&O coverage that mirrors your actual exposures, so you are protected where it matters most.

At K3’s Insurance Agency, you are not just another policyholder. You get a local team who knows your name, returns your calls, and supports you through renewals, audits, and your risk management plan. We are here to help long after the paperwork is signed.

Our access to top-rated insurance companies allows us to balance insurance cost with protection. We’ll help you secure comprehensive errors and omissions insurance that fits your budget without sacrificing the strength your business needs to move forward with confidence.

What Is Error & Omission Insurance?

Error & omission insurance (often called E&O insurance) is a specialized form of liability insurance that protects service-oriented businesses from claims of negligence, inaccurate advice, or mistakes in delivery. Think of it as a safety net that:

  • Covers legal defense costs—even if you’re not found liable

  • Pays settlements or judgments if you’re found at fault

  • Supports your reputation by resolving issues professionally

Whether it’s a missed deadline, misinterpreted data, or a client feeling let down, a single mistake could derail your business. Our insurance EO plans help you keep moving forward.

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Who Needs Our E&O Insurance?

E&O coverage from K3’s Insurance Agency is designed for professionals across many fields, including:

  • Consultants: Management, financial, tech, marketing, and beyond

  • Real Estate Professionals: For advice on pricing, disclosures, and contracts

  • Architects & Engineers: To address design or specification oversights

  • Accountants & Bookkeepers: To protect against calculation errors or reporting mix-ups

  • IT & Tech Professionals: For claims related to software, system failure, or advice

  • Media & Advertising: Guarding against miscommunication, missed deadlines, or misprints

  • Hair Salons & Independent Contractors: For service delivery issues or client dissatisfaction

We’ve got you covered, no matter the business location or industry.

Our E&O Coverage Includes:

  1. Professional Liability
    Protection for liability claims alleging negligence or inadequate services.
  2. Legal Defense & Settlement Costs
    Coverage for attorney fees, expert witnesses, court costs, awards, and settlements.
  3. Prior Acts Coverage
    Optional protection for claims tied to services rendered before your policy’s retroactive date.
  4. Subcontractor Liability
    Extend your insurance cover to subcontracted work, helping ensure no gaps exist in protection.
  5. Data & Privacy Protection
    Optional add-ons to handle liability arising from client data errors or breaches.
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How the K3’s E&O Process Works

  1. Risk Analysis
    We begin by reviewing your service offerings, contracts, and typical client profiles to identify your specific risks.
  2. Quote & Coverage Design
    We assemble a plan that addresses your unique exposures and budget—no fluff, no surprises.
  3. Issuance
    After you review and approve the insurance coverage, we issue your insurance policy—quick, clear, and convenient.
  4. Ongoing Support
    Life changes, and so do your risks. We offer annual reviews, policy renewals guidance, and rapid claims advice.

Ready to Protect Your Business?

Let’s make sure a simple mistake doesn’t become a costly problem. With the right errors and omissions e coverage in place, you can focus on your work—knowing you are backed by a team that understands what’s at stake.

Call us at 720‑725‑5400 or email info@k3insurance.com to talk with a local insurance agent who gets it. We are here to help you find the best coverage that makes sense for your business.

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Frequently Asked Questions

General liability insurance is designed to cover claims related to bodily injury or property damage—like if someone trips at your office or you accidentally damage a client’s property. E&O insurance, on the other hand, protects you from financial losses due to errors, missed deadlines, oversights, or professional advice that leads to a client’s financial harm. It focuses on how your services are delivered—not physical risks.

The right amount of E&O insurance coverage depends on several factors, including the size and value of your contracts, the nature of your services, your industry’s risk profile, and any past claims. At K3’s Insurance Agency, we work closely with you to assess these details and recommend coverage limits that offer solid protection without stretching your budget.

Yes—if your insurance policy includes prior acts coverage. This option protects you from claims that arise from services you performed before your current E&O policy started, as long as you’ve maintained continuous coverage. It’s especially important for professionals who switch insurance companies or are buying E&O for the first time but want to be covered for earlier work.

It’s strongly recommended. While some policies can be extended to cover subcontractors under specific endorsements, having each party carry their own omissions insurance policy helps limit gaps in protection. If a subcontractor’s work leads to a lawsuit, and they’re not properly insured, the responsibility could fall on your company. We can help structure your insurance accordingly.

Absolutely. The cost of omissions insurance depends on several factors like your business location, industry, coverage limits, and claims history. At K3’s Insurance Agency, we work with top carriers to give you access to the best coverage options at competitive rates. Our risk management plan reviews can also help reduce your liability risks—and your premium.