What insurance do accountants and CPAs need?

Usually professional liability (E&O), cyber, and crime coverage, plus a business owners policy and workers comp as the firm grows. E&O and cyber are the core, given the advice and data involved.

Does general liability cover an accounting mistake?

Generally no. A professional error is covered by professional liability (E&O), not general liability. Client contracts often require E&O specifically.

Why do accountants need cyber and crime coverage?

Because they hold sensitive financial data and often touch client funds. Cyber addresses breaches and the data; crime addresses employee dishonesty and funds-transfer fraud.

Accountants & CPAs Insurance - Vantage Point Risk

Insurance for accountants and CPAs.

Accountants and CPAs give advice clients rely on and handle some of the most sensitive data and funds in any business. That makes professional liability, cyber, and crime the center of the program, not general liability.

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Accountant and CPA insurance centers on professional liability (E&O) for the advice and work you deliver, plus cyber for the client financial data you hold and crime coverage where you touch client funds. A business owners policy and workers comp round it out as the firm grows.

E&O is the core

An accountant's biggest exposure is a mistake or alleged mistake in the work, a missed deadline, a filing error, advice that did not pan out. Professional liability, or errors and omissions, responds to that, and general liability does not. For a CPA firm, E&O is the foundation, and client contracts increasingly require it.

Cyber and the data you hold

Accountants hold tax records, financial statements, Social Security numbers, and banking detail, exactly what attackers want. A breach or a wire-fraud incident is a real financial event, and cyber coverage addresses the response, liability, and funds exposure that come with handling client financial data.

Crime and client funds

Where a firm touches client funds, payments, payroll, banking access, employee dishonesty and social-engineering fraud become real risks that cyber alone may not fully cover. Crime coverage addresses that. We build the program around the advice, the data, and the money. Licensing and board rules vary by state; verify with your board of accountancy.

Insurance for accountants and CPAs.

E&O is the core

Cyber and the data you hold

Crime and client funds

Common questions.

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Professional Liability (E&O)

Cyber Insurance

Crime / Employee Dishonesty

Professional Services Coverage Review

Coverage built around advice, data, and funds.