Accountants' insurance

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.

If you hold sensitive customer data, process payments online or just want peace of mind, Cyber cover should be considered. Because cyber criminals can be clever. Catching you off-guard and tricking you in to doing something you shouldn't, like opening an attachment in a fake email, or finding a way through your cyber-security. If this happens and they get their hands on your data or access to your bank account, the impact on your business could be devastating.

But, with our Cyber cover, you can call the experts, 24/7. They'll be on it, helping you to stay in business and recover in three ways:

Recover financially

• Covering loss of business income if your systems are attacked
• Covering recovery costs, like fixing damage to your computer systems or data restoration
• Covering fines (where insurable by law) and compensation costs.

Recover your reputation

• You get access to public relations and crisis management experts to minimise damage to your brand and business.

Recover your systems and help prevent future incidents

• Technical experts will help fix your IT issues and provide advice on how to prevent future cyber incidents.

Read more on Cyber cover here.

Available on new and renewal policies only. For Retail and Office & Professional customers only.

Personal accident cover provides payment if anyone in your business between the ages 16-75 is unable to work because they've been injured in an accident, whether in a business or personal capacity.

We'll pay a lump sum of £50,000 if there is an accidental death, accidental loss of limbs or sight, or if someone in your business becomes permanently disabled following an accident.

If someone in your business is unable to work due to a temporary injury, then after 7 days we'll pay their normal net weekly earnings up to £500 for up to 104 weeks.

You can choose Personal Accident as an add-on once you've completed your quote.