QUICK QUOTE
Why is specialized insurance essential for an accounting firm?
In an environment where numbers need to be accurate and advice is beyond reproach, tailored professional insurance is crucial to protect your accounting firm from legal, financial, and operational risks. Offered by insurance brokers, this tailored coverage ensures peace of mind and regulatory compliance.
Accountant-friendly protection: what you need to know
- Increased professional responsibility : Your financial advice can have a major impact. An error or omission can result in costly lawsuits.
- Customer data risks : Cybersecurity is critical. You process sensitive data (income, taxation, etc.).
- Legal and regulatory compliance : Certain guarantees are mandatory to operate legally.
- Protection of equipment and premises : Your computer equipment and accounting documents are precious.
- Peace of mind in the event of the unexpected : Insurance against business interruption, theft or claims.
Essential guarantees for accounting offices
| Recommended Warranty | Description |
|---|---|
| Professional Liability | Covers faults, errors or negligence in the context of your mandates. |
| Cyber insurance | Protects against data theft, hacking, or ransom demands. |
| Protection of property | Covers computers, software, desktops and documents in the event of a disaster. |
| Business interruption | Compensates for loss of income in the event of an interruption of your activity. |
| Liability insurance | Protects against damage to third parties on your premises. |
Why use an insurance comparison tool for your accounting firm?
- Time saving: In less than 3 minutes, you can compare several specialist insurers.
- Customized offers: Receive quotes adapted to the reality of accounting firms.
- Best value: Access solid coverage without overpaying.
- Support from expert brokers: Benefit from neutral and personalized advice.
- Avoid coverage errors: Compare coverages seamlessly.
Which damage insurer is right for your accounting firm?
| Insurer | Satisfaction | Specialization in accounting firms |
|---|---|---|
| Intact Insurance | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ |
| The Capital / Beneva | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐⭐ |
| Aviva insurance | ⭐⭐⭐☆☆ | ⭐⭐⭐⭐☆ |
| Economical | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ |
| Travelers Canada | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ |
Is professional liability insurance mandatory for accountants?
Yes. It is essential to practice legally and to protect against any claim related to a professional error or omission.
Can I insure a home office as an accountant?
Yes. Tailored policies cover home offices, including your equipment, customer data, and liability risks.
Is the comparison platform really free and without obligation?
Absolutely. You can compare several offers freely, without any fees or obligation to subscribe.
What are the main coverages in insurance accounting firms insurance?
A typical insurance accounting firms insurance policy in Quebec includes: general civil liability (damage to third parties), commercial property (building, equipment, stock), equipment breakdown, business interruption (income loss after a claim), and depending on the sector, professional liability or cyber-risks. Exact coverage varies by insurer and profile — your partner broker tailors the policy to your operations.
What exclusions should I check before signing?
The most common exclusions in business insurance: intentional acts, normal wear and tear, claims occurring before the policy period, certain catastrophic risks (flood, earthquake — often optional), mobile equipment off-site, and undeclared activities. Always read the exclusion clauses and declare all your operations to avoid claim denial.
Can I bundle my insurance accounting firms insurance with auto or home?
Yes. Most of our AMF-certified partner brokerage firms offer multi-product bundling. Combining business insurance with auto or home can generate a discount of 10 to 15% on total premiums, plus simplified management (one point of contact, one renewal date). At Assur360, the quote systematically evaluates the bundled option.
How does professional liability (E&O) insurance work?
Professional liability (E&O) covers errors, omissions or negligence committed in the course of your profession, plus legal defence costs. It differs from general liability (which covers bodily or property damage to third parties). Depending on your sector, E&O can be strongly recommended or required by contract (e.g. by clients or professional associations).
How long does a insurance accounting firms quote via Assur360 take?
The online form takes 3 minutes to fill out. You’ll then receive a call or email from an AMF-certified partner brokerage firm (member of the Chamber of Insurance) within 24 to 48 business hours with a personalized quote for your business. The quote is free and no obligation — you’re free to accept, decline, or negotiate.
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