Source: Carrier website and product data
Cincinnati Financial: Accounting Firms Insurance Appetite
Cincinnati Financial explicitly targets e&s special classes (alarm installers, child care, security guards) (hard-to-place accounts) as a focus segment. Cincinnati Financial'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 |
| Workers' Compensation |
| Professional Liability (E&O) |
| Cyber Liability |
Premium Range
$2,300-$18,000
Typical annual premium
Target States
44 states
Key Features
- Three-Year Commercial Package Policy covers accounting firms operations with Rate lock for 3 years
- Cincinnati Data Defender adds data breach response, notification costs, and regulatory defense coverage
- Workers' comp for 3-30 employees with experience mod-based pricing
- Cincinnati Financial offers professional liability (E&O) with prior acts coverage for claims arising from past work
Limitations
- 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
- Firms with SEC-registered clients may need specialized professional liability with regulatory defense coverage
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