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Why do bookkeepers need insurance?
A data entry error, accusation of fraud, or work injury could result in tremendous financial losses. Bookkeeping insurance protects against lawsuits, injuries, and accidents that could financially cripple your business.
Find the right coverage
Insureon helps bookkeepers find insurance that matches your unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
What types of business insurance do bookkeepers need?
These insurance policies cover the most common bookkeeping risks.
Errors and omissions insurance
E&O insurance, also known as professional liability insurance, is common for bookkeepers and other professional services. It can cover legal fees related to work performance.
BEST FOR
- Bookkeeping errors
- Accusations of negligence
- Oversights that lead to a lawsuit
General liability insurance
A commercial general liability policy covers basic risks, including slip-and-fall injuries in your office. Bundle it with property insurance for savings in a business owner’s policy.
BEST FOR
- Customer bodily injuries
- Damaged customer property
- Libel and other advertising injuries
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for bookkeepers to purchase general liability coverage and commercial property insurance 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 bookkeeping businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal costs from employee injuries
Cyber insurance
This policy helps small business owners survive data breaches and cyberattacks. It can pay for data recovery expenses, client notification costs, and more.
BEST FOR
- Data breach lawsuits
- Customer notification expenses
- Fraud monitoring costs
Commercial auto insurance
Commercial auto insurance covers costs if a bookkeeper's vehicle 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 bookkeeper insurance cost?
A small bookkeeping business will pay less for commercial insurance than a larger company.
Factors that affect the cost of bookkeeper business insurance include:
- Bookkeeping services offered
- Business property and equipment
- Business income
- Business operations
- Types of insurance purchased
- Policy limits and deductibles
How do I get bookkeeping insurance?
It's easy to get business insurance for bookkeepers and accountants if you have your company information on hand. Our 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 insurance agents work with top-rated U.S. providers to find the right insurance coverage and fidelity bonds for your bookkeeping business, whether you work independently or hire employees.
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