Accountants' insurance

Price beat guarantee

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

To redeem and for full Terms & Conditions, click here.

New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply.

Stolen laptop? Damaged mobile? We'll replace your essential tech within 24hrs of claim approval, with Business Tech Essentials.

Cover & claim limits apply. Mon – Fri 8am – 6pm, except Bank holidays

  • We can cover you if you work from home, your office, at a hot desk or when visiting clients.
  • No admin fees if you need to make changes to your policy.
  • 0% APR on your monthly Direct Debit payments in the first year.

    Over 18s, subject to eligibility.

  • We won't be beaten on price. We'll beat your new business insurance quote or renewal premium from any other insurer.

    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 equipment cover

    If you rent or own an office, you may want to cover your office contents, equipment and documents. You can also cover your expensive electrical items in case of damage, breakdown (excluding wear and tear) or theft.

    We also offer a cover option that allows you to insure these items on the go, which is helpful if you go on site visits or work at different places. If your work laptop fell on the ground and the screen cracked, we’d cover the cost of replacing it.

    And now with Business Tech Essentials, if your essential tech is stolen or damaged, we'll replace it within 24 hours from claim approval.

    When you cover your electrical items and tech you get Business Tech Essentials. Which means if your essential tech - like laptops, mobiles or tablets - are stolen or damaged we'll replace them within 24 hours of claim approval.

    Cover & claim limits apply. Mon – Fri 8am – 6pm, except Bank holidays.

  • 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, 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.

  • 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

    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 following a cyber incident:

    Recover financially

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

    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.

  • Legal expenses

  • Personal accident

    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.

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 25 October 2020 onwards, which shows the main covers and exclusions in our policies.