A phishing email locks your practice software days before the self-assessment deadline. Restoring the data and notifying clients runs to £12,000.
Covered by Cyber
Insurance for accountants and bookkeepers.
What one bad day at the practice can cost.
Real risks for working accountants and bookkeepers, and the cover that takes the hit instead of you.
A client visiting to sign off their accounts trips on a trailing cable and fractures a wrist. The injury claim comes to £15,000.
Covered by Public Liability
Your laptop, loaded with a quarter's client records, is stolen from the car between visits. Replacing it and rebuilding the work comes to £4,000.
Covered by All Risks
Illustrative examples. Cover depends on the package and limits you choose.
Three steps. No broker calls.
Getting covered shouldn't be a project. Start to finish, it's all online.
- 1.
Get your price
A few quick questions and your quote's on screen.
- 2.
Buy and you're covered
Pay online and your cover goes live straight away.
- 3.
Manage it all in one place
Documents, claims and renewals, one simple dashboard.
Backed by
The insurers and partners behind your cover.
Cover built for how you work.
Most practices are underinsured for the data they hold and the disputes they face, and never find out until it's too late. We make sure you're not one of them.
The data you hold is the risk you carry
Client financials, payroll, bank details and tax records all sit on your systems. Cyber funds the response and recovery when an account is breached or ransomware hits, with a 24/7 incident line.
Covered at your desk and at theirs
Public Liability covers the claim when a client is hurt at your office or you damage something at theirs, and All Risks covers the laptop and records that travel with you. Employers' Liability is the law the day you take on staff.
A dispute shouldn't cost you the year
An HMRC enquiry into your own practice, an unpaid invoice, an employment claim. Add Legal Expenses and the costs are covered, with a 24/7 legal and tax line whenever you need it.
- CyberA data breach, ransomware or account takeover — incident response, recovery and liability.
- Legal ExpensesLegal costs and expert advice when a dispute hits — employment claims, tax investigations, contract and debt recovery — plus a 24/7 legal and tax helpline.
- Public LiabilityClaims from third parties — clients, the public, anyone who isn't your employee — for injury or property damage linked to your business.
More than a policy
A dispute or a breach tends to land when you've least got time for it. Add Legal Expenses and you've got experts on the phone whenever you need them, and if you ever do need to claim, an in-house team handles it directly, so a bad day doesn't derail the business.
Legal cover when disputes hit
- Employment & tribunal disputes
- HMRC tax & VAT enquiries
- Contract & debt recovery
- Crisis communications & PR
Experts on the phone
- 24/7 legal & tax advice
- HR & redundancy support
- Confidential counselling, 24/7
- 24/7 cyber incident line
Questions, answered.
Yes. Cyber covers the cost of responding to a breach or ransomware attack, recovering your data, and notifying affected clients and the regulator, with a free 24/7 incident line once Cyber is on your policy.
Most combine Cyber for the data they hold, Public Liability for client visits, and Legal Expenses for tax enquiries and disputes, adding Employers' Liability once they take on staff. Professional Indemnity is launching soon.
Yes. Public Liability follows you to a client's premises, and All Risks covers the laptop and records you carry between sites across the UK.
That's Professional Indemnity, which is launching soon. Public Liability covers injury and property damage but not fee-based advice, so caremate™ will flag where Professional Indemnity fits once it's live, and route anything urgent to a specialist in the meantime.
Add Legal Expenses and the professional fees to handle a tax or VAT enquiry into your own business are covered, alongside a 24/7 tax and legal advice line.
For the work shown here, you can get a quote and buy cover in minutes, with no broker back and forth. Your documents land in your inbox straight away.
Your cover is arranged with Kovrilo, a UK MGA backed by Mission.
Yes. We're an Appointed Representative of Stubben Edge (Risk) Limited, regulated by the Financial Conduct Authority (FRN 943286).