PreferredVerified Q1 2026
Source: Carrier website and product data
The Hartford: Accounting Firms Insurance Appetite
The Hartford explicitly targets consultants (large and small) 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) |
| Cyber Liability |
Premium Range
$2,300-$18,000
Typical annual premium
Target States
48 states + DC (excludes AK, HI)
Key Features
- Spectrum® Business Owner's Policy covers accounting firms operations with General Liability, Commercial Property, Business Income Insurance
- Cyber Insurance 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
- The Hartford 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
- 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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