Source: Carrier website and product data
Auto-Owners Insurance: Accounting Firms Insurance Appetite
Auto-Owners Insurance explicitly targets professional services (consultants, tax preparers, etc.) as a focus segment. E&O limits should match the largest engagement — a $500K audit opinion exposure needs at least $500K in E&O limits
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Professional Liability (E&O) |
Premium Range
$2,000-$15,000
Typical annual premium
Target States
26 states (Midwest, Southeast, Mid-Atlantic)
Key Features
- Contractor Insurance covers accounting firms operations with Package Discount, Waiver of Subrogation (at no additional cost), Contractors Errors & Omissions
- Workers' comp for 3-30 employees with experience mod-based pricing
- Auto-Owners Insurance offers professional liability (E&O) with prior acts coverage for claims arising from past work
- Auto-Owners Insurance offers subpoena and regulatory defense cost coverage for IRS and state board proceedings
Limitations
- Cyber liability not available — consider a standalone cyber market for accounting firms data exposure
- Investment advisory services and securities work require separate financial services E&O — not covered under accounting E&O
- Audit and attestation engagements face stricter underwriting than tax preparation or bookkeeping
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