As an accountant, your clients rely on your financial expertise to protect and grow their business. When it comes to your own firm, make certain your bottom line is protected with a Business Owners Policy (BOP).

What’s in a BOP?

While your Professional Liability coverage protects you from errors and omissions, a BOP packages the vital coverage your office needs in a bundle that makes financial sense, including:

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Commercial Property

Property damage happens when you least expect it. Your BOP provides commercial property coverage that protects your business property, including computer equipment and office furniture in the event of a fire, burglary or other covered accidental property damage.

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General Liability

If you’re renting office space, your landlord will usually require that you have general liability (GL) coverage. A BOP policy satisfies this requirement, and also protects your business from claims (other than professional claims) resulting from bodily injury or property damage to others due to your business operations. This includes slips, trips, falls and other losses that may result in a claim against you.

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Business Interruption

Should you be unable to keep your business running due to a covered loss such as fire or theft, you can rely on Business Interruption to provide coverage for up to one year of lost revenue and additional expenses.

Essential Cyber Coverage Bundled in One Easy Policy

Your client’s financial information is at the heart of your business. Cyber Risk coverage can be added as an endorsement to your BOP. The policy provides coverage for expenses, defense costs, and liability for risks such as:

  • Notifying Affected Individuals in the event of a personal data compromise
  • Fines or penalties related to a personal data compromise
  • Restoring or recreating damaged data and services after an attack on your computer systems
  • Public relations services to maintain your business reputation and relationships following a compromise of personal data or a computer attack
  • Identity theft case management services and financial resources

Whether you’re a sole proprietor or running a small accounting firm, a Business Owners Policy can help you protect your assets for an affordable amount, making both dollars and sense.


This material is provided for information purposes only and is not intended to be a representation of coverage that may exist in any particular situation under a policy issued by one of the companies within Crum & Forster. All conditions of coverage, terms, and limitations are defined and provided for in the policy.
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