Accounting Business Insurance

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Accounting Professionals Face Business Risks

Accounting professionals handle their client’s risks every day, but they may be the last to think about the risks to their own businesses. Lost or stolen personal data, lawsuits, and accidents can significantly impact a business. People who manage risk at accounting firms can rest assured that The Hartford is there to help businesses reduce risks and prevail through crises and unanticipated losses.
Recommended Coverage for Accounting, CPA and Bookkeeping Firms
Helps protect the property an accounting or finance firm owns and leases, including computers, electronic equipment, furniture, and even fine art. Coverage from The Hartford can be tailored to fit the specific needs of each individual practice:
  • Many accounting firms have in-house libraries containing books and publications susceptible to fire, water or smoke damage. Business Personal Property helps protect property like accounting libraries and valuable papers.
  • When employees travel for work, Business Personal Property helps to protect lost or stolen business property including laptops.
  • Most accounting firms can work out of any office locale but the costs to equip the firm at a new or temporary location can add up quickly, as can the cost to research, replace or restore lost information on damaged valuable papers and records. Extra Expense coverage helps protect accounting firms from these costs.
  • The Hartford makes it easy for accounting firms to calculate their business income loss based on billable hours. This limits coverage to income that is irretrievably lost for services that could not be performed during the period of restoration rather than revenues, possibly earned prior to the loss, that were not received during this period.
General Liability Choice® from The Hartford covers bodily injury and property damage, including damage to rented properties, and accidents related to running an accounting or finance business. This coverage can be customized to meet the needs of almost any accounting firm. If the accounting firm is in growth mode and acquires another company or adds a division, The Hartford’s policy includes an extended 180-day grace period to cover the change. Employees are automatically covered as defined by the policy, and it’s easy to add others as needed. 
Through a unique partnership with Target Insurance Services1, The Hartford offers professional liability insurance to help accounting firms protect against the high cost of a lawsuit arising from client allegations of misrepresentation, fraud, or negligence.
1 Target Insurance Services is not an affiliate of The Hartford.
Helps protect against management liability risks faced by accounting firms and their leaders. Our offering includes:
  • Directors, Officers and Entity Liability Coverage (D&O) – helps protect accounting firms, their directors, officers and management personnel against loss that arises out of the day-to-day operations and management of the business.
  • Employment Practices Liability Coverage (EPL) – helps protect accounting firms from damages and defense costs that arise out of employment-related disputes, including but not limited to alleged discrimination, sexual harassment, refusal to hire and wrongful termination or discipline.
  • Fiduciary Coverage – helps cover employee claims related to the design, administration and maintenance of company-sponsored retirement, health, and other employee benefit plans.
  • Kidnap and Ransom Coverage (K&R) – helps protect company employees if they are kidnapped in the U.S. or while on business abroad.
The Hartford offers U.S. domiciled companies a spectrum of coverage that goes far and wide. Whether you need to cover employees traveling abroad or a whole overseas enterprise, The Hartford can offer the right package of protection with options ranging from The Hartford Passport Package to The Hartford’s Controlled Master Policy (CMP) with local multinational policies – in one coordinated insurance program.
Helps increase a business’s liability protection when a covered claim exhausts the limits of their primary liability coverage. 
Additional Solutions for Accounting, CPA and Bookkeeping Firms
The Hartford is a leading provider of Workers’ Compensation Insurance, which provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. If an employee is injured or sick, The Hartford helps return them to work as soon as reasonably possible or to other transitional work and may include training with new skills. This coverage even pays a long-term benefit if an employee can’t return to work. In the event that an employee dies due to a work-related accident, the policy pays an insurance benefit to the family. Our offerings:
  • The Hartford’s Team•WorkSM Return-to-Work program helps get injured employees back on the job as soon as medically appropriate.
  • Our Payroll Billing Option, XactPAY® offered at no extra cost, can help businesses more easily manage and monitor cash flow related to their workers’ comp payments. It features premium payments based on actual payroll and timed to the company’s payroll schedule.
Helps cover the vehicles that an accounting or finance business owns, leases, rents or borrows. At no additional cost, commercial auto insurance helps cover electronic equipment in vehicles. Lease and loan gap coverage is available as well. The Hartford provides a wide range of specialized services designed to help businesses improve their drivers’ safety.
The Hartford’s innovative Risk Engineering team strives to help accounting and finance firms run safer and ultimately more profitably with loss control services that include risk exposure evaluations, consultations, and recommendations for improving businesses’ safety and security. 
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In Arizona, New Hampshire, Washington and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company, Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
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