Coverage Options for Bookkeepers

Comprehensive insurance solutions designed specifically for bookkeeping and accounting professionals. Protect your practice with coverage that understands your unique risks.

Get Your Free Quote (844) 967-5247

Professional Liability Insurance

Core protection against claims of negligence, errors, or failure to perform professional duties

Defense costs for malpractice allegations
Coverage for claimed financial losses
Protection against breach of duty claims
Defense for regulatory complaints
Prior acts coverage available
Worldwide coverage options

Errors & Omissions (E&O)

Specialized coverage for mistakes, oversights, and missed deadlines that cause client financial harm

Data entry and calculation errors
Missed tax filing deadlines
Incorrect financial statements
Payroll processing mistakes
Failure to file required forms
Negligent misrepresentation

Cyber Liability Insurance

Protection for data breaches and cyber incidents involving sensitive financial information

Data breach response costs
Client notification expenses
Credit monitoring services
Ransomware and extortion coverage
Business interruption losses
Regulatory fines and penalties

General Liability Insurance

Coverage for third-party bodily injury and property damage at your office or client sites

Slip and fall injuries at your office
Damage to client property
Advertising injury claims
Personal injury protection
Products liability
Completed operations coverage

Business Owner's Policy (BOP)

Bundled coverage combining general liability and property insurance at a discounted rate

Office building and contents
Computer equipment and software
Business interruption coverage
Loss of income protection
Equipment breakdown coverage
Valuable papers coverage

Workers' Compensation

Required coverage for employee injuries and illnesses arising from work

Medical expenses for work injuries
Lost wage replacement
Rehabilitation costs
Disability benefits
Death benefits for dependents
Employer liability protection

Additional Coverage Options

Enhance your protection with these additional coverages tailored for bookkeeping practices.

Employment Practices Liability

Protection against employee lawsuits for discrimination, harassment, wrongful termination, and other employment-related claims.

Commercial Auto Insurance

Coverage for vehicles used for business purposes, including travel to client sites and business errands.

Umbrella/Excess Liability

Additional liability limits above your primary policies for catastrophic claims that exceed standard coverage.

Frequently Asked Questions

How much professional liability coverage do I need?

Most bookkeepers should carry at least $500,000 per occurrence / $1 million aggregate in professional liability coverage. If you work with larger clients or handle complex engagements, consider higher limits of $1 million / $2 million or more.

Do I need cyber liability if I only work with small businesses?

Yes! Small businesses are actually more vulnerable to cyber attacks because they often have weaker security. As a bookkeeper, you handle sensitive financial data that makes you an attractive target. Cyber coverage is essential regardless of client size.

What's the difference between professional liability and general liability?

Professional liability (E&O) covers claims arising from your professional services—like errors in bookkeeping that cost a client money. General liability covers physical incidents—like someone slipping in your office. Most bookkeepers need both types of coverage.

Will insurance cover me for tax preparation services?

Yes, but tax preparation is considered a higher-risk service and may require additional premium. Make sure to disclose all services you provide when applying so your policy properly covers your full scope of work.

Get Customized Coverage for Your Practice

Every bookkeeping practice is unique. Let our specialists help you build a coverage package that fits your specific needs and budget.

Get Your Free Quote Call (844) 967-5247