Accountants' insurance from under £9 a month

Public liability covers you if a client or member of the public is injured whilst visiting your premises or because of an accident caused by you or your staff. It also covers you if you or a member of staff damages someone’s property. An example of an injury claim could be someone tripping on your laptop lead while you’re meeting with a client. If the injured per-son pursued a claim against you, public liability insurance would cover your costs.

We can offer cover from £1 million to £10 million.

If there is an insured event such as flood or fire at your premises, buildings insurance will cover the cost of the repairs, this includes debris removal and architect’s fees.

Equipment breakdown cover is included as standard, so if the equipment that forms part of the building breaks down, we’ll cover the cost of the repair or replacing items. Equipment could include things like boilers and fire/burglar alarms, but we won’t cover breakdown due to wear and tear.

As an accountant, you might work from home, in an office, at your client’s premises or in a shared working space. If your working premises become unusable due to an insured event, such as a fire or flood, business interruption will cover the extra costs of setting up somewhere else until you can return to your normal place of work. It will also cover loss of turnover if you’ve insured your premises.

We can also cover you if your main client can’t trade because their building is damaged, which results in a loss of business for you, up to a limit of £50,000.

Our business interruption cover can insure you if you or one of your key employees becomes seriously disabled and unable to continue work. We will cover the incurred costs, up to £25,000, to minimise any interruption to the business.

Cyber cover is important if you rely on technology to run your business, or handle and hold customer data. It covers the costs you face as a result of cyber crime, the compensation and defence costs for a data breach or unintentional transmission of a virus, loss of income fol-lowing a cyber attack and the cost of responding to a cyber ransom demand.

We also provide access to IT forensics and data recovery experts, specialist support for PR and crisis management, identity theft assistance, and specialist advice to prevent viruses or hacking attacks after an incident.