Bookkeeper insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$25.83
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Errors & Omissions / Professional Liability
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$25.83
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Errors & Omissions / Professional Liability
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Do I Need Bookkeeper Insurance?
In the world of bookkeeping, even minor mishaps can throw you off balance. A client could trip in your office, a misplaced decimal might skew their financials, or your laptop could be damaged on the go. But the right coverage can help protect your business from unexpected challenges that can disrupt your workflow.
Below are some of the most common types of insurance policies that bookkeepers carry to stay protected.
What Type of Bookkeeper Insurance Do I Need?
Errors and Omissions Insurance
Also known as professional liability insurance, it provides coverage for damages and legal costs for mistakes or negligence claims.
From
$25.83
/month*
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Does Bookkeeper Insurance Cover?
As a bookkeeper, your work is all about precision, but even the most careful professionals can encounter risks. We can help you choose coverages and policies to balance the books when unexpected challenges arise.
Rushing to assist on a spreadsheet, you accidentally knock over a client’s coffee, which causes significant damage to their computer. A general liability policy could help cover the damage and protect your business from out-of-pocket fees.
What if you record a transaction in the wrong account, causing a client to miss an important payment and incur fees? Errors and omission insurance can help cover claims related to mistakes, missed deadlines, or perceived negligence in your services.
Bookkeeping isn’t known for its physical demands, but data entry and deadlines can take a toll. If your assistant sprains their wrist on the job, workers’ compensation insurance can help cover medical bills and lost wages as they recover. Even if you work solo, workers’ comp is worth considering, since some health insurance policies don’t cover work-related injuries.
Your laptop and bookkeeping software are the backbone of your work. If your computer is damaged or stolen at your business location or in transit, a business personal property or inland marine policy could help cover repair or replacement costs, so you’re not left scrambling to get back to business.
What Does Bookkeeper Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Bookkeeper Insurance Coverage Questions
Most states require you to carry workers’ compensation insurance if you have employees. There also may be licensing requirements that require certain liability coverages. We recommend checking with your state and local governments.
The cost for your insurance coverage is largely determined by the type of work you do, the types of risks you’re exposed to, the square footage of your office, and the number of employees you have.
Some other factors can include where your office is located, how many years of experience you have, and your annual revenue.
If you’re thinking of buying bookkeeper insurance, we recommend having the following information on hand when using our bookkeeper insurance calculator:
- The state where you do business
- Your type of business or trade
- Your annual revenue estimates
This information can make it easier to get a quote from one of our insurer.
Small business insurance is what we do. Whether it’s covering you for accidents and mistakes, meeting workers’ comp requirements, or protecting your office and your equipment, we can help find the coverage you need for your bookkeeping business.
We provide customized coverage options and quotes from top-rated small business insurers — all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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Our +1 million customers are big fans. And you will be too.
I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
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business types covered
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customers worldwide
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.