Bookkeeping Insurance: Protecting Your Business and Your Clients

Why Bookkeepers Need Insurance

Whether you run a bookkeeping business from home or manage a larger firm, your clients trust you with sensitive financial information. Even a small mistake—or an unfounded claim—can have serious financial consequences.

Bookkeeping insurance helps protect you from the risks that come with managing client accounts, including:

  • Errors in financial reporting
  • Data breaches or cyberattacks
  • Client disputes over your work
  • Damage or theft of office equipment

Key Coverages for Bookkeepers

Professional Liability (Errors & Omissions)

Protects you if a client claims your mistake caused them financial harm. This is the core coverage for bookkeepers.

Cyber Liability

Covers data breaches, cyberattacks, and costs related to notifying affected clients.

General Liability

Protects against third-party injuries or property damage that occur in your office.

Business Personal Property

Covers your office equipment, computers, and furniture if they’re damaged or stolen.

Workers’ Compensation

Required in North Carolina if you have employees—covers work-related injuries.

How Much Coverage Do You Need?

Most small bookkeeping businesses in North Carolina carry:

  • $1 million in professional liability coverage
  • $1 million in general liability
  • Additional cyber coverage depending on the number of clients and data stored

If you work with larger corporations or manage high-value accounts, you may need higher limits.

Why Choose Sizemore Insurance

At Sizemore Insurance, we work with independent bookkeepers, accounting firms, and payroll providers across North Carolina to:

  • Identify coverage gaps
  • Compare rates from top commercial carriers
  • Customize policies to match your business size and client base
  • Make sure you understand your deductibles and coverage details

We’re independent, so we shop for the best price and fit—not just one company’s offering.


Protect Your Business, Reputation, and Clients

Start your bookkeeping insurance quote online or call (910) 791-1011 to speak with a Sizemore Insurance advisor today.