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Why do accountants and CPAs need business insurance?
Your work demands precision and accuracy. You’re also human, and mistakes happen. Accountant insurance helps pay for legal fees related to errors on a tax return, or a missed filing deadline. It also covers risks that can affect any business, such as theft and injuries.
One application, multiple quotes
Insureon helps accountants, CPAs, and auditors compare insurance quotes from top U.S. carriers online. Get several quotes with one application.
Got questions? A licensed insurance agent can help you find the right coverage for your business needs.
What types of insurance do accountants and CPAs need?
These insurance policies cover the common risks of accounting services.
Professional liability insurance
Professional liability coverage helps pay for legal costs related to work mistakes and oversights. It's sometimes called errors and omissions insurance, E&O insurance, or malpractice insurance.
BEST FOR
- Errors in tax documents
- Accusations of negligence
- Missed filing deadlines
General liability insurance
Commercial general liability insurance covers basic risks, such as a client who sues after a fall at your office. Bundle with commercial property insurance for savings in a business owner’s policy.
BEST FOR
- Customer bodily injuries
- Customer property damage
- Libel and other advertising injuries
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for accountants and CPAs to purchase general liability insurance and business property coverage together.
BEST FOR
- Slip-and-fall accidents
- Accidental damage to client property
- Stolen or damaged business property
Workers’ compensation insurance
Most states require workers' comp for accounting firms that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Cyber insurance
Cyber insurance protects accountants and CPAs from financial losses caused by data breaches and cyberattacks. It's recommended for any business that handles personal information.
BEST FOR
- Client notification expenses
- Fraud monitoring services
- Legal defense costs
Commercial auto insurance
Commercial auto insurance covers costs if a vehicle owned by an accounting company is involved in an accident. Most states require this coverage for vehicles owned by a business.
BEST FOR
- Property damage caused by your vehicle
- Auto accident injuries
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does accountant and CPA insurance cost?
A large CPA firm will pay more for insurance than a small business with a few accountants.
Factors that affect insurance premiums include:
- Financial services offered
- Business property and equipment
- Business operations and revenue
- Types of small business insurance purchased
- Policy limits and deductibles
How do I get accountant and CPA business insurance?
Whether you’re a certified public accountant, an auditor, a bookkeeper, or a tax preparer, it's easy to get business insurance if you have your company information on hand. Our insurance application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. providers to find the right insurance coverage and fidelity bonds for accounting professionals, whether you work independently or hire employees.
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