Source: Carrier website and product data
GUARD Insurance: Accounting Firms Insurance Appetite
GUARD Insurance explicitly targets professional offices 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 |
Premium Range
$2,000-$15,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- Businessowner’s Policy (BOP) covers accounting firms operations with Property, General Liability
- Workers' comp for 3-30 employees with online quoting and pay-as-you-go billing
- GUARD Insurance offers professional liability (E&O) with prior acts coverage for claims arising from past work
- GUARD Insurance offers subpoena and regulatory defense cost coverage for IRS and state board proceedings
- Online quoting available — agents can get accounting firms quotes without calling underwriting
Limitations
- No professional liability (E&O) available — must be placed with a specialty carrier
- 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
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