Bookkeeping Business Insurance

This coverage protects you if a client or other non-employee third party is injured on your business premises. Picture this: a client visits your office for a meeting and slips on a wet floor, sustaining an injury. Thimble’s coverage helps pay for medical expenses and provides the investigation and legal defense resulting from the accident.

This insurance helps safeguard your business financially if you accidentally damage someone else’s property during the course of your work. For example, you may be invited to a meeting with a client at their office, and while there, you unintentionally knock over and break an expensive piece of equipment. This coverage helps handle repair or replacement costs, allowing you to focus on your business without worry.

This coverage addresses claims of advertising-related issues such as copyright infringement or defamation. What if a future client accuses your bookkeeping business of using their proprietary financial templates without permission? A Business Owners Policy for bookkeepers would help cover legal fees and settlements, protecting your business from unexpected expenses.

Workers’ compensation protects you against claims by your employees by covering medical expenses and lost wages if they are injured or become ill due to their job. You may not associate bookkeepers with work-related injuries, but they can happen! Consider an employee who develops carpal tunnel syndrome after extended periods of keyboard use. This coverage ensures they receive the necessary treatment and financial support while recovering.

Cyber insurance is a specialized form of coverage designed to protect businesses like bookkeepers from digital threats, such as data breaches, ransomware attacks, and other cyber risks. For bookkeepers, who often handle sensitive financial data like bank account details and tax information, cyber insurance is an essential safeguard. What if a bookkeeper falls victim to a phishing attack, inadvertently granting a hacker access to their systems? Cyber insurance helps offset financial impact from legal fees, damaged public image, IT service charges, theft loss, and more.