Source: Carrier website and product data
Chubb: Accounting Firms Insurance Appetite
Chubb explicitly targets professional services as a focus segment. Chubb's underwriting targets well-established accounting firms businesses with strong financials and clean loss history. Premium reflects broader coverage and higher carrier financial strength. 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 |
| Cyber Liability |
Premium Range
$2,800-$22,500
Typical annual premium
Target States
All 50 states + DC
Key Features
- Chubb Business Owner’s Policy (BOP) covers accounting firms operations with Property enhancements (automatic blanket limit), Liability enhancements (broad named insured, blanket additional insureds), Privacy and data breach
- The ForeFront Portfolio adds data breach response, notification costs, and regulatory defense coverage
- Chubb offers professional liability (E&O) with prior acts coverage for claims arising from past work
- Chubb offers cyber liability protecting client financial data (SSNs, bank accounts, tax records)
- Online quoting available — agents can get accounting firms quotes without calling underwriting
Limitations
- No workers' compensation available — agents need a separate WC carrier for accounting firms employees
- No professional liability (E&O) available — must be placed with a specialty carrier
- Investment advisory services and securities work require separate financial services E&O — not covered under accounting E&O
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