https://completemarkets.com/company/Amwinsunderwriting/Professional-Liability-for-Accountants/
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.
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