Source: Carrier website and product data
Liberty Mutual: Accounting Firms Insurance Appetite
Liberty Mutual explicitly targets professional services 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 |
| Cyber Liability |
Premium Range
$2,300-$18,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- Business owner's policy (BOP) covers accounting firms operations with General liability, Commercial property, Worldwide coverage
- Cyber liability adds data breach response, notification costs, and regulatory defense coverage
- Workers' comp for 3-30 employees with online quoting and pay-as-you-go billing
- Liberty Mutual offers professional liability (E&O) with prior acts coverage for claims arising from past work
- 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
- 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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