Bookkeeper Insurance
Find out which bookkeeper insurance coverage you need. Compare policies from leading national insurers. Get a quote in minutes.
Insuring over 1 million small business owners worldwide.
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Why Do I Need Bookkeeper Insurance?
In the world of bookkeeping, even minor mishaps can throw you off balance. A client could trip in your office, a misplaced decimal might skew their financials, or your laptop could be damaged on the go. But the right coverage can help protect your business from unexpected challenges that can disrupt your workflow.
What Bookkeeper Insurance Do I Need?
Errors and Omissions Insurance
Also known as professional liability insurance, it provides coverage for damages and legal costs for mistakes or negligence claims. This policy is often recommended for businesses that provide advice and guidance to their clients.
General Liability Insurance
A foundational bookkeeping liability insurance to help handle costs from third-party accidents, property damage, and bodily injury.
Business Owner’s Policy Insurance (BOP)
General liability, property insurance, and more, all in one convenient package. Just what a busy bookkeeper needs.
Workers’ Comp Insurance
Coverage to help take care of employees who get sick or injured on the job. Most states require this for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
What Does Bookkeeper Insurance Cover?
As a bookkeeper, your work is all about precision, but even the most careful professionals can encounter risks. We can help you choose coverages and policies to balance the books when unexpected challenges arise.
Honest mistakes and negligence claims
What if you record a transaction in the wrong account, causing a client to miss an important payment and incur fees? Errors and omission insurance can help cover claims related to mistakes, missed deadlines, or perceived negligence in your services.
Damage to someone else’s property
Rushing to assist on a spreadsheet, you accidentally knock over a client’s coffee, which causes significant damage to their computer. A general liability policy could help cover the damage and protect your business from out-of-pocket fees.
Damaged or stolen equipment
Your laptop and bookkeeping software are the backbone of your work. If your computer is damaged or stolen at your business location or in transit, a business personal property or inland marine policy could help cover repair or replacement costs, so you’re not left scrambling to get back to business.
Care for sick or injured employees
Bookkeeping isn’t known for its physical demands, but data entry and deadlines can take a toll. If your assistant sprains their wrist on the job, workers’ compensation insurance can help cover medical bills and lost wages as they recover. Even if you work solo, workers’ comp is worth considering, since some health insurance policies don’t cover work-related injuries.
Business Insurance
A one-minute explanation
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners may need. General liability is kind of the Swiss army knife of insurance, it can do a lot like help handle cost from third party accidents, property damage, bodily injury, and more. Nobody’s perfect right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP, or a business owners policy, combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in, you tell us a bit about your business online or on the phone, we customize the coverage options for what you do and what you need. It’s your business it should be your insurance as well, that’s why we’re here.
How Much Does Bookkeeper Insurance Cost?
Try our Bookkeeper Insurance Calculator
Get a quick estimate in just 3 steps.
Answers to More Bookkeeper Insurance Questions
Do I need bookkeeper insurance?
Most states require you to carry workers’ compensation insurance if you have employees. There also may be licensing requirements that require certain liability coverages. We recommend checking with your state and local governments.
What determines the cost of bookkeeper insurance?
The cost for your insurance coverage is largely determined by the type of work you do, the types of risks you’re exposed to, the square footage of your office, and the number of employees you have.
Some other factors can include where your office is located, how many years of experience you have, and your annual revenue.
What should I consider before buying bookkeeper insurance?
If you’re thinking of buying bookkeeper insurance, we recommend having the following information on hand when using our bookkeeper insurance calculator:
- The state where you do business
- Your type of business or trade
- Your annual revenue estimates
This information can make it easier to get a quote from one of our insurer.
Why work with Simply Business?
Small business insurance is what we do. Whether it’s covering you for accidents and mistakes, meeting workers’ comp requirements, or protecting your office and your equipment, we can help find the coverage you need for your bookkeeping business.
We provide customized coverage options and quotes from top-rated small business insurers — all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
Feel confident about your choice
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*Actual savings may vary based on the nature of your business, its location, and insurance provider appetite. Savings percentage is calculated using the average price difference of quotes from SB’s panel of insurance providers.