Search CompleteMarkets

... place coverage for independent bookkeepers, small bookkeeping firms, and othe...his program is ideal for freelance bookkeepers, small bookkeeping firms, and f...

...igible professions include: Bookkeepers Certified Public Accountants (CP... mid-sized accounting firms, CPAs, bookkeepers, and financial preparers with l...

A Hands-On Approach ProSight Specialty Insurance offers an Accountants Professional Liability program designed for agents placing accountants, CPA firms, tax preparers, and related professional practices. Underwriters at ProSight take a hands-on approach—reviewing each submission directly to understand firm structure, service lines, and risk controls. That active underwriting style helps you find solutions for straightforward and more complex accountant exposures while securing access to a competitive primary or excess market. Ideal accounts and appetite Small to mid-sized CPA and accounting firms, including tax preparers, bookkeeping services, and payroll providers. Firms performing attest or compilation services, advisory work, and routine tax compliance—especially with documented peer review and quality control procedures. Acquisitions: automatic coverage for merged or acquired firms where the acquisition represents less than 10% of the firm’s annual revenue (subject to underwriting review). Less suitable: firms with significant investment advisory custody, high-volume fintech integrations without controls, or large national practices without prior placement history—these require pre-submission discussion. Coverage highlights and advantages Broad definition of professional services — flexible wording helps align coverage with modern service lines offered by accounting firms. Mutual choice of counsel — provides greater control and alignment when a claim arises. Cyber risk management add-on — up to $5,000 for data breach assessment services to help manage privacy incidents and client notification costs. Subpoena expense supplementary coverage — helps pay for legal costs associated with responding to subpoenas and regulatory inquiries. Incentive for alternative dispute resolution — 50% deductible reduction if a claim is resolved through arbitration or non-binding mediation. Primary and excess placements — limits available up to $5 million to match growing firm exposures. Underwriting notes ProSight underwriters prefer clear submissions that include firm revenue by service line, partner/owner resumes, client concentration details, loss run history, peer review or quality control policies, and any third-party technology/vendor relationships. Because ProSight reviews each account directly, early phone conversations on borderline or complex accounts can speed placement and reduce revision cycles. Territories and licensing This program is available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. ProSight typically operates on a non-admitted (surplus lines) basis where applicable; confirm state filing and surplus lines requirements when submitting. Example accounts that fit A three-partner CPA firm with $1.2M revenue providing tax, compilation, and advisory services with documented internal controls and minimal past claims exposure. A boutique payroll and bookkeeping firm seeking a $1M primary limit plus excess capacity, interested in cyber assessment coverage for client data breaches. Why place this business with ProSight Specialty Insurance As a carrier known for selective, relationship-driven underwriting, ProSight pairs a flexible professional services definition with practical claim features—mutual choice of counsel, subpoena expense coverage, and incentives for ADR—making it a strong option for agents placing accountants who want broad, service-aligned protection and responsive underwriting. Use this program when you need tailored terms, access to excess capacity up to $5M, or cyber assessment support tied to professional exposures. Frequently Asked Questions What types of accounting firms are a good fit for this ProSight program?Small to mid-sized CPA firms, tax preparers, bookkeeping and payroll firms, and advisory practices with documented quality controls are the best fit. Larger national firms or firms with heavy custody/investment advisory work usually need pre-submission discussion. Are limits and deductibles flexible?Limits are available up to $5 million (primary or excess). The program includes a deductible incentive—50% reduction if a claim is resolved through arbitration or non-binding mediation. Exact terms depend on underwriting and exposure. Does the program address cyber/privacy exposures?Yes. A cyber risk management add-on provides up to $5,000 for data breach assessment services to help evaluate and respond to incidents. This is designed to complement professional liability coverage for privacy-related professional liabilities. How should I submit a potential account?Include firm revenue by service line, partner resumes, client concentration, recent loss runs, and descriptions of peer review or quality control processes. For complex accounts, an early call with underwriting can clarify appetite and speed placement. Need help placing an account? Connect with a market specialist.

... third-party administrators Bookkeepers, tax preparers and payroll service...nal service providers—consultants, bookkeepers/tax preparers, TPAs, collection...

...ied Public Accountants (CPAs) Bookkeepers and tax preparers Small to mid-s...

...ng Agencies - Beauticians - Bookkeepers - Car/Boat Detailers - Educati...

Since 1994, CPAGold — a program administered by Amwins Underwriting — has offered a focused professional liability solution for Certified Public Accountants. This program is designed for agents placing E&O and related professional liability exposures for accounting firms seeking broad, flexible coverage and underwriting expertise from a specialized managing general agency. Overview of the Program from Amwins Underwriting CPAGold targets accounting firms that need tailored professional liability protection, including traditional errors & omissions coverage plus defense for disciplinary matters and privacy/cyber extensions. Amwins Underwriting underwrites the program with an emphasis on practical coverage, supplemental endorsements, and options that reflect common CPA exposures. Ideal Accounts and Appetite Small to mid-sized CPA firms (1–50 professionals) with a balanced mix of tax, audit, compilation, and advisory work. Firms with more than 50 CPAs can be considered on a case-by-case basis. Best suited to firms with standard practice areas rather than highly specialized or unusually risky niches—ask underwriting for borderline or specialty practices. Example fits: You might have a 12-person firm that performs tax, bookkeeping and small business consulting seeking a combined E&O and disciplinary defense package; or a 30-person regional firm looking to add privacy and network security coverage to their professional liability limits. Coverage Highlights and Advantages Errors & omissions (professional liability) tailored for accounting practices Defense expenses for disciplinary proceedings and regulatory investigations Subpoena expense coverage and expense reimbursement Claim mitigation assistance Privacy-covered acts and network security coverage to address data breach and cyber exposures Policy enhancements and special endorsements available to broaden protection where needed Limits available from $100,000/$200,000 up to $5,000,000/$5,000,000 Underwriting Notes As a Managing General Agency program, CPAGold emphasizes a streamlined underwriting process with experienced UW personnel who understand CPA exposures. Typical submission items include a completed application, current and prior acts information, claims history, and descriptions of risk management or cybersecurity controls where applicable. Underwriting will review practice mix, revenue distribution by service line, any open disciplinary matters, and prior claim experience. Firms with complex specialty practices or significant claim histories should be discussed with underwriting before submission. Territories and Admitted Status Available in the following territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Placement under CPAGold is handled through Amwins Underwriting as a program market. Note: this program is positioned as a non-admitted/surplus lines offering in applicable states — confirm availability and placement rules for the insured’s state of domicile. Why Work with Amwins Underwriting on This Business Niche CPA focus: underwriters experienced with accounting firms and their unique exposures. Comprehensive coverage package that goes beyond basic E&O to include disciplinary defense and cyber/privacy extensions. Flexible limits and endorsements to match firm size and risk profile. Responsive MGA service model geared to help brokers place accounts efficiently and tailor terms where appropriate. Submission Tips Include a completed application and the last 5 years of loss history when possible. Describe practice mix (tax, audit, advisory, bookkeeping) and list any specialty services. Provide summaries of any regulatory or disciplinary matters, even if closed. If requesting network security or privacy extensions, include information on data controls and incident response plans. Frequently Asked Questions What size firms are eligible for CPAGold?The program primarily targets small to mid-sized CPA firms (1–50 professionals). Firms with more than 50 CPAs may be considered on a case-by-case basis—submit details to underwriting for review. What limits and coverages are available?Limits range from $100,000/$200,000 up to $5,000,000/$5,000,000. Standard coverages include professional E&O, disciplinary defense, subpoena expense, and options for privacy and network security. Endorsements and enhancements are available. Is this an admitted or non-admitted program?CPAGold is offered through Amwins Underwriting as a non-admitted/surplus lines program in applicable states. Verify placement rules and surplus lines requirements for the insured’s state of domicile. What does underwriting typically require with a submission?Provide a completed application, prior acts information, at least the last several years of claims history, a practice mix, and any information on disciplinary matters or cyber controls if privacy/network coverage is requested. Need help placing an account? Connect with a market specialist.

... limited to: Accountants and bookkeepers Business, HR, and food consultan...onsultants, engineers, architects, bookkeepers, data processors, and staffing ...

Overview — Environmental Consultants Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers an Environmental Consultants Program designed for agents and brokers placing environmental consulting firms that need comprehensive wraparound protection. The program combines General Liability, Contractor's Pollution Liability, and Professional Liability to address the varied third-party and professional exposures consultants face while performing site assessments, remediation oversight, laboratory work, and related services. Coverage Highlights and Advantages The program features broad policy language tailored for environmental consulting operations, including an expansive definition of professional services and a wide definition of "your work" that captures work performed by, or on behalf of, the named insured. Highlights include: Primary coverages: General Liability, Contractor's Pollution Liability, and Professional Liability. Flexible limits: Capacity up to $25 million for eligible accounts. Broad professional definitions: Policies are written to reflect the typical scope of environmental consulting work, including work performed by subcontractors or agents. Additional coverages are available on select classes: Primary Commercial Auto Follow Form Excess Premises Pollution Liability Products Pollution Liability Ideal Accounts and Appetite This program is targeted at environmental consultants whose operations are primarily environmental in nature. Preferred classes include consultants who perform professional services such as: Testing, monitoring, or conducting remedial feasibility studies of pollutants Design of systems, protocols, or remedial action programs for remediation or abatement of pollutants Phase I, Phase II, or Phase III environmental assessments and remedial investigations Storage tank and pipeline integrity testing Laboratory analysis of pollutants Project management of remediation activities Environmental compliance, permitting, training, or safety consulting services Restricted classes: Firms with greater than 50% of gross revenue derived from non-environmental operations or services are typically not a fit for this program. Underwriting Notes and Minimum Premium Underwriters evaluate accounts based on scope of services, project size, past claims history, subcontractor controls, and revenue mix. The program is best for firms with an environmental focus and documented controls for field work and laboratory procedures. Accounts with significant contractor-style pollution exposure are considered, provided appropriate risk controls are in place. Minimum premium: $2,500. Larger or higher-risk placements may require higher premiums and additional submission materials (e.g., proposals, past loss runs, resumés of key personnel, sample contracts). Territories and Availability This program is available in the following jurisdictions: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MI, MS, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, WI. Availability may vary by state and submission—contact First Choice Insurance Intermediaries, Inc. for current territorial appetite. Why Place This Business With First Choice Insurance Intermediaries, Inc. As a wholesale broker, First Choice Insurance Intermediaries, Inc. specializes in placing environmental consultant risks with carriers that understand the technical and professional nature of these services. The program's strengths include broad professional definitions, flexible limit structures up to $25 million, and optional coverages that let you tailor terms to the account. Example scenarios that often fit well: A mid-sized environmental consulting firm that performs Phase I–III assessments and oversees remediation projects—needs combined professional and pollution liability limits and primary GL. A laboratory specializing in pollutant analysis that requires Contractor's Pollution Liability and Professional Liability for analytical errors and sample handling. If you have a client with primarily environmental operations and documented risk controls, submit detailed applications and loss history to First Choice Insurance Intermediaries, Inc. to access this program's capacity and specialty underwriting. Frequently Asked Questions What types of accounts are a good fit for this program?Environmental consulting firms whose primary revenue comes from testing, site assessments, remediation design/oversight, laboratory analysis, compliance, or related professional services. Firms with clear project controls and limited non-environmental revenue are preferred. What coverages are included and what limits are available?The program combines General Liability, Contractor's Pollution Liability, and Professional Liability. Additional options on select classes include Primary Commercial Auto, Follow Form Excess, Premises Pollution, and Products Pollution. Capacity is available up to $25 million for eligible accounts. Are there classes or operations you will not accept?Firms with more than 50% of gross revenue from non-environmental operations are typically restricted. Accounts with extensive contractor operations without environmental controls, or unacceptable loss histories, may also be declined. What is the minimum premium and what submission materials are needed?Minimum premium is $2,500. Submissions should include a completed application, current loss runs, description of services performed, sample contracts, and resumés of key technical staff when available. Need help placing an account? Connect with a market specialist.

Errors & Omissions Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a competitive Errors & Omissions (E&O) Insurance program designed for professionals and service-based businesses that face claims of negligence, misrepresentation, or failure to perform. As a wholesale broker with broad market access, First Choice helps independent agents place tailored professional liability coverage when clients need protection for advice, consulting, design, or other professional services. First Choice places E&O for a wide range of industries. Whether your insured is a consultant, real estate professional, technology services vendor, or allied health specialist, this program provides flexible underwriting and market options to deliver appropriate limits and defense coverage. Ideal Accounts and Appetite The program targets professionals and firms that provide advice, recommendations, or specialized services. Typical classes include: Consultants and business advisors Real estate agents and brokers IT and technology service providers Allied health professionals (non-physician) Marketing, media, and design firms Insurance agents and adjusters Property managers and home inspectors Because coverage is placed through non-admitted markets, the program can be a solution for accounts that require more tailored terms than admitted options typically allow. Coverage Highlights and Advantages Key protections and program benefits available through First Choice include: Defense costs for covered allegations—even if the claim is groundless Judgment and settlement coverage up to policy limits Deductibles beginning at $1,000 Premium financing to help make larger placements more affordable Access to multiple non-admitted markets for customized solutions For example, you might place a tech consultant facing a client claim for project delays and resulting financial loss. This program can combine appropriate limits, defense cost handling, and tailored exclusions to address that exposure. Underwriting Notes Each submission is individually underwritten so policies reflect the specific risk profile of the professional class. While there is no published minimum premium, deductibles start at $1,000 and terms vary by carrier and risk. First Choice will work with you to structure coverage and present the account to the right markets. Territories and Availability This Errors & Omissions program is available to licensed agents in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA, and WI. Placement through non-admitted carriers provides additional flexibility across these territories. Why Work with First Choice Insurance Intermediaries, Inc.? First Choice is a wholesale broker with deep professional liability expertise and broad carrier relationships. Working with them gives agents access to markets and underwriting that are often difficult to place directly. Their team focuses on responsive service, market advocacy, and crafting solutions for harder-to-place or niche E&O risks. Partnering with First Choice lets you deliver competitive quotes and flexible coverage structures while relying on experienced wholesale underwriting support. Frequently Asked Questions What types of accounts are a good fit for this E&O program?This program suits consultants, real estate professionals, IT service providers, allied health practitioners (non-physician), marketing/media/design firms, insurance agents, property managers, and similar service businesses with professional liability exposures. Is this program available on an admitted basis?No. The Errors & Omissions program is offered through non-admitted markets to allow greater flexibility in underwriting and policy terms. Are premium financing options available?Yes. First Choice can arrange premium financing to help spread cost for larger policies or clients who prefer monthly payments. What is the minimum deductible for this program?Deductibles start at $1,000. Exact deductible and pricing depend on the carrier, class of business, and underwriting details. In which states is this program available?The program is available in AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA, and WI. Need help placing an account? Connect with a market specialist.