What does accountants insurance typically cover?

A accountants insurance programme arranged through Premier Insurance is typically built around professional indemnity as the primary cover, with public liability, office contents, IT equipment and cyber, employers' liability where staff are employed, directors' & officers' where the business is incorporated, and legal expenses available alongside. Limits, conditions and excesses vary by insurer and the contracts you sign — we scope the right combination for your practice before quoting.

How much does accountants insurance cost in the UK?

Accountants insurance premiums in the UK vary widely with turnover, services offered, claims history, premises and how the operation actually runs. Premier Insurance compares quotes from 200+ UK and Lloyd's of London insurers — including AXA, Aviva, Allianz, Hiscox, Zurich, RSA and QBE — so the structure and limits match your business rather than a generic scheme.

Do I legally need accountants insurance?

If you employ any staff in the UK — even part-time or casual — Employers' Liability Insurance is a legal requirement under the Employers' Liability (Compulsory Insurance) Act 1969. Public liability is not legally required but is contractually demanded by almost every commercial client, landlord, local authority and main contractor.

How quickly can Premier Insurance arrange accountants cover?

For most standard accountants risks we can provide quotes within the same working day and issue cover the same day once you accept the quote. Speak to a UK broker on 020 8908 2426 (Mon–Fri 9am–5:30pm), WhatsApp 07954 331362 or email hello@premier-insurance.co.uk.

Accountants Insurance from £14.00/month

From £14.00/month. Compare accountants insurance from 200+ UK insurers. Tailored cover, free quotes in minutes. FCA regulated broker since 1983.

Accountants insurance — professional indemnity-led cover from a UK broker

When work delivered by accountants produces a loss a client traces back to it, professional indemnity is the cover that answers the claim — provided the wording lines up with how you actually engaged them. Premier Insurance has been negotiating PI wordings, retroactive dates and run-off terms for UK practices since 1983; we go through your engagement letter before quoting. Speak to a real broker on 020 8908 2426 or message us on WhatsApp 07954 331362.

What accountants cover typically includes

Cover for accountants practices can include any of the elements below, led by professional indemnity. Not every policy carries every section, and limits, conditions and excesses vary by insurer and risk — we use the conversation to scope what your practice actually needs:

Professional indemnity — the primary cover for this category; responds to allegations of negligent advice, errors in deliverables, missed deadlines and breach of professional duty. Limits are typically set by client contracts or a regulator.
Public liability — third-party injury or property damage at your office or while visiting clients.
Office contents, IT equipment and cyber — physical office contents, laptops and mobile devices used off-site, and cyber liability for data breach, ransomware and business email compromise.
Employers' liability — legally required in the UK if you employ staff (Employers' Liability (Compulsory Insurance) Act 1969), including most paid interns and labour-only sub-consultants.
Directors' & officers' — where the business is incorporated; protects directors personally against claims arising from management decisions.
Legal expenses — contract disputes, debt recovery, tax investigation and employment-tribunal defence.

Risks we see most often in accountants work

In the advisory market, the disputes that turn into formal claims most often involve unsigned variation orders, reliance on figures provided by the client without sign-off, and use of deliverables for a purpose outside the original engagement. These are general sector observations and don't describe any specific policy response — that's always a wording question.

Why brokered cover beats price-comparison sites

Comparison sites push you toward the cheapest premium, not the policy that pays. Premier's brokers read the wording, flag exclusions before you buy, and stay involved at claim time. Rated 4.9 on Google and 4.6 on Trustpilot — 100+ reviews across both — and a full BIBA member. For a tailored accountants quote, request a callback or email hello@premier-insurance.co.uk.

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Speak to a UK insurance broker

Our brokers are available Monday to Friday 9am to 5:30pm. Call 020 8908 2426, message us on WhatsApp 07954 331362, or email hello@premier-insurance.co.uk. Visit our offices at 49 Grosvenor Street, London W1K 3HP. You can also request a callback or learn more about our team.