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Accountants and bookkeepers' insurance you can count on

Our online tool completely personalises your policy, so you only pay for what you need.

  • We can cover you if you work from home, your office, at a hot desk or when visiting clients.
  • 0% APR on your monthly direct debit payments in the first year and no admin fees if you need to amend your policy.

    Over 18s only, subject to eligibility.

  • We guarantee to beat your new business quote or renewal premium from any other insurer.

    Excludes van. New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply. Terms & Conditions.

Build your own insurance package

As an accountant, you occupy a highly trusted position in the eyes of your clients. They rely on you to manage their financial affairs, maintain complex administrative tasks and offer valuable advice. Your role carries a lot of responsibility; if you get your figures wrong, you could harm your client’s business.

No matter how rigorously you check your clients’ accounts, mistakes can happen. So it’s important to obtain the right cover just in case someone makes a claim against you.

A client dispute isn’t the only situation that could affect your business activities. If the laptop you work on gets stolen, or your place of work is flooded, you could find yourself unable to take on new work or complete existing projects.

At Direct Line for Business, we offer flexible and personalised insurance for accountants and bookkeepers. Using our online tool, you can customise your cover to address the particular risks that your business might encounter.

No one knows your business better than you

We understand that every business is different, that's why we enable our customers to personalise their business insurance.

Whether you want to insure your equipment, cover your building against damage or take precautions in the event of legal action, we can provide the cover you need.

No matter how many different types of cover you include, you only need to take out one policy, with one monthly or annual premium and one renewal date. It couldn’t be easier.

See what you can include in your policy below.

Get a quote
or call us on 0345 878 5622

Your cover options

Add any of the following cover options to your Accountants and Bookkeepers’ Insurance to create a policy that precisely fits your business needs. These covers are subject to policy conditions and limits.

  • Professional indemnity

    As an accountant or bookkeeper, you’re responsible for managing your clients’ financial af-fairs. So, if you make a mistake, or give advice that is deemed to be negligent, you could face some difficult consequences. If a client makes a claim against you, professional indemnity insurance will cover your legal expenses and any compensation costs you have to pay.

    Clients will often ask to see proof of your professional indemnity insurance before working with you. At Direct Line for Business, you can download your policy documents instantly online, so you can provide evidence as soon as you obtain insurance..

    Our professional indemnity policy covers you for claims of up to £2 million, and meets the requirements of the following professional bodies:

    • Association of Chartered Certified Accountants (ACCA)
    • Institute of Chartered Accountants of England and Wales (ICAEW)
    • Institute of Certified Bookkeepers (ICB)
    • International Association of Bookkeepers (ICAB)
  • Public liability

    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.

  • Employers' liability

    Employers’ liability covers the costs you have to pay if an employee gets injured or becomes ill because of the work they do for you and decides to take action against you. For the ma-jority of employers, employers’ liability insurance is a legal requirement. Read more about employers’ liability to learn about the exceptions. At Direct Line for Business, we will cover you for £10 million, as standard.

  • Buildings cover

    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.

  • Contents and stock

    With contents cover, you can insure all the electrical items, equipment, furniture, art and documents used by your business, as well as any stock you might have.

    We also offer the option to insure your contents and stock away from your work premises if you work at multiple locations or travel a lot.

    If your work laptop fell on the office floor and was damaged beyond repair, our contents cover would pay for a new laptop so you can keep your business running.

  • Business interruption

    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.

    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.

  • Theft of takings

    If your business handles cash and cheques, this policy will cover you in case of theft. This includes business takings stolen from you or anyone working for you.

  • Cyber cover

    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.

  • Legal expenses

How can we help?

Get a quote, talk to us via live chat or call us on
0345 878 5622

Visit our contact us page to view our opening hours.

Policy documents

If you have an existing quote or policy with us, you can view and download your policy documents from the My Account page.

We tailor all our policies, so your documents only show what you’ve chosen to cover.

Below is a summary of a generic policy, from 15th July 2018 onwards, which shows the main covers and exclusions in our policies.

Legal Document Service

Included as standard when you buy or renew a policy from 1st February 2016.

Register or log in to Direct Line for Business Legal Documents Service.

Read more