Bookkeeper Insurance

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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.

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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.

General liability insurance icon

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 (BOP).

  • Customer bodily injuries
  • Damaged customer property
  • Libel and other advertising injuries
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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.

  • Bookkeeping errors
  • Accusations of negligence
  • Oversights that lead to a lawsuit
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Cyber liability insurance

This policy helps small business owners survive data breaches and cyberattacks. It can pay for data recovery expenses, client notification costs, and more.

  • Data breach lawsuits
  • Customer notification expenses
  • Fraud monitoring costs
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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.

  • Employee medical expenses
  • Disability benefits
  • Legal costs from employee injuries
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Fidelity bonds

Fidelity bonds compensate clients for employee theft, including theft by electronic funds transfer. They're also called employee dishonesty bonds.

  • Employee theft
  • Employee fraud
  • Contract requirements
Looking for different coverage? See more policies.

How much does insurance cost for bookkeepers?

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A small bookkeeping business will pay less for commercial insurance than a larger company.

Factors that affect the cost of small business insurance include:

  • Bookkeeping services offered
  • Business property and equipment
  • Business income
  • Business operations
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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 for your bookkeeping business, whether you work independently or hire employees.

What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
Management consultant
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