The typical stack
- Accountants professional liability (Accountants E&O)
- Cyber liability (tax data is a top breach target)
- EPLI
- Crime and fidelity (client funds and social engineering)
- BOP and workers compensation
What triggers the purchase
- Tax season data exposure
- A partner departure or firm merger
- Client engagement letters requiring E&O evidence
What your customers require
State boards and larger clients require professional liability, and firms hold the most sensitive personal data of any small business segment: SSNs, bank details, and full tax returns.
Programmes that write this segment
Specialty carrier, affirmative AI wording. Access via our wholesale partners.
Lloyd's MGA, affirmative AI wording across lines. Access via our wholesale partners.
Not sure where you fit? Take the coverage quiz and we will map the stack from your answers.
Frequently asked questions
Why does a CPA firm need cyber cover sized like a tech company?
Because its data is worth as much to an attacker. A solo to mid size firm's cyber policy generally runs $1,000 to $3,000 per year in the market, and its professional liability for $1M limits generally runs $1,500 to $4,000 per year. General market ranges, not quotes.
Talk through your stack before you sign the next contract
Send us the term sheet, the customer MSA, or the renewal you are worried about. We will tell you plainly what it requires, what your current programme does about it, and what we would place differently.