Insurance Products for Small to Mid-Sized Accounting & Law Firms
Specialized coverage designed for lawyers and accountants, delivered with simplicity, clarity and trusted carrier support.
Three-Category Framework
Overview
Protexure offers a focused portfolio of insurance products designed to address the unique risks faced by professional firms. Our solutions are purpose-built for law and accounting practices, featuring streamlined applications, responsive underwriting, and coverage from financially strong carriers—so you can get protected without unnecessary complexity
Professional Liability
Errors and omissions insurance is designed to protect professionals from claims of negligence or inadequate work.
Cyber Liability
With the rise of cyber threats, having robust data breach coverage is not just a precaution; it’s a necessity for any business that handles sensitive information.
Additional Insurance
A Business Owner Policy (BOP) is a comprehensive insurance package tailored for small to medium-sized businesses. It typically combines general liability insurance with property coverage, providing a cost-effective solution for business owners.
Lawyers Professional Liability Insurance
For Lawyers & Attorneys
| Coverage Overview | Protects against claims arising from errors, omissions, or alleged professional negligence in the delivery of services |
|---|---|
| Notable Policy Highlights |
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| Who It’s Best For | Law firms with 1-15 attorneys |
Additional Links
Accountants Professional Liability Insurance
Accountants, Bookkeepers, Tax Professionals
| Coverage Overview | Protects against claims arising from errors, omissions, or alleged professional negligence in the delivery of services |
|---|---|
| Notable Policy Highlights |
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| Who It’s Best For | Small and mid-sized accounting firms |
Cyber Liability Insurance
Why It Matters for Professionals:
Accounting and legal firms remain top breaches targets because of the sensitive data they store.
Key Risks & Consequences
Financial Loss
Direct theft, ransomware demands, and costs of breach response (forensics, notification).
Reputational Damage
Loss of client trust, which is crucial in these professions, leading to lost business.
Ethical & Professional Exposures
Breaches can lead to severe sanctions, even disbarment or loss of licenses
Legal & Regulatory Penalties
Fines for non-compliance with privacy laws, lawsuits from affected clients.
Operational Disruption
Attacks can halt critical services, especially during busy tax or filing seasons.
What Cybersecurity Protects
Client Data
Safeguards Personally Identifiable Information (PII), financial details, and confidential case information from theft or misuse.
Business Continuity
Prevents ransomware and malware from locking systems.
Compliance
Meets evolving regulations (like state data breach notification laws) and ethical duties.
Competitive Edge
Demonstrating strong security attracts clients who prioritize data protection.
Get a Cyber Risk Estimate
Not sure if you need cyber? Learn More
Policy Specimens & Document Library
Allow users to self-educate and build trust.
Policy Specimens
Professional Liability Policy
Cyber Liability Policy
Coverage Highlight Sheets
Professional Liability
Cyber Risk Highlights
Educational Guidelines
Details or FAQs
How to Read a Policy
Insurance policies can feel complex, but understanding a few key sections will help you quickly see what’s covered, what’s not, and where it matters most for your firm.
Declarations Page
Our program is designed to meet the needs of professional accountants, certified public accountants (CPAs,) and small to mid-size accountant firms because these practices have unique needs and risk profiles. By focusing on this segment:
- Coverage fits your firm: Policies are tailored to the types of claims smaller firms are most likely to face.
- Rates stay competitive: Large firms carry higher risk and more volatile claims. By excluding them, we can offer more affordable premiums.
- Faster, simpler service: Specialization allows for quicker quotes, easier applications, and responsive support.
- Expertise you can trust: We understand the challenges of small accounting practices, so you get advice and coverage that truly fits your firm.
Why it matters
Our program is designed to meet the needs of professional accountants, certified public accountants (CPAs,) and small to mid-size accountant firms because these practices have unique needs and risk profiles. By focusing on this segment:
- Coverage fits your firm: Policies are tailored to the types of claims smaller firms are most likely to face.
- Rates stay competitive: Large firms carry higher risk and more volatile claims. By excluding them, we can offer more affordable premiums.
- Faster, simpler service: Specialization allows for quicker quotes, easier applications, and responsive support.
- Expertise you can trust: We understand the challenges of small accounting practices, so you get advice and coverage that truly fits your firm.
Is cyber coverage separate?
Our program is designed to meet the needs of professional accountants, certified public accountants (CPAs,) and small to mid-size accountant firms because these practices have unique needs and risk profiles. By focusing on this segment:
- Coverage fits your firm: Policies are tailored to the types of claims smaller firms are most likely to face.
- Rates stay competitive: Large firms carry higher risk and more volatile claims. By excluding them, we can offer more affordable premiums.
- Faster, simpler service: Specialization allows for quicker quotes, easier applications, and responsive support.
- Expertise you can trust: We understand the challenges of small accounting practices, so you get advice and coverage that truly fits your firm.
How long does the application take?
Our program is designed to meet the needs of professional accountants, certified public accountants (CPAs,) and small to mid-size accountant firms because these practices have unique needs and risk profiles. By focusing on this segment:
- Coverage fits your firm: Policies are tailored to the types of claims smaller firms are most likely to face.
- Rates stay competitive: Large firms carry higher risk and more volatile claims. By excluding them, we can offer more affordable premiums.
- Faster, simpler service: Specialization allows for quicker quotes, easier applications, and responsive support.
- Expertise you can trust: We understand the challenges of small accounting practices, so you get advice and coverage that truly fits your firm.
When does coverage begin?
Our program is designed to meet the needs of professional accountants, certified public accountants (CPAs,) and small to mid-size accountant firms because these practices have unique needs and risk profiles. By focusing on this segment:
- Coverage fits your firm: Policies are tailored to the types of claims smaller firms are most likely to face.
- Rates stay competitive: Large firms carry higher risk and more volatile claims. By excluding them, we can offer more affordable premiums.
- Faster, simpler service: Specialization allows for quicker quotes, easier applications, and responsive support.
- Expertise you can trust: We understand the challenges of small accounting practices, so you get advice and coverage that truly fits your firm.
Definitions
(How Words Are Interpreted)
| Key Terms | Key terms like claim, wrongful act, or professional services—are defined here.
|
|---|---|
| Why it Matters | Coverage often hinges on how specific terms are defined, not how they’re commonly used. |
Exclusions
(What’s Not Covered)
| Coverage Overview | Exclusions outline situations or activities the policy does not cover.
|
|---|---|
| Why it Matters | This is where coverage limitations are clearly stated. Knowing exclusions helps avoid surprises at claim time. |
Conditions
(Your Responsibilities)
| Key Terms | Conditions explain what you must do to keep coverage in force.
|
|---|---|
| Why it Matters | Coverage often hinges on how specific terms are defined, not how they’re commonly used. |
Exclusions
(What’s Not Covered)
| Coverage Overview | Endorsements modify the base policy.
|
|---|---|
| Why it Matters | Endorsements can significantly change how the policy works. Always review these carefully. |
What Matters Most for Small Firms
1. Coverage triggers
(claims-made vs. occurrence)
2. Prior acts date
3. Defense Costs
(inside or outside limits)
4. Disciplinary, regulatory, and subpoena coverage
5. Deductible application and reductions
Need Help Reviewing a Policy?
If you’re unsure how a provision applies to your firm, our team can help walk you through it—before a claim ever happens
What’s Included
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What’s Not
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Additional Insurance Solutions
Protexure can also assist with access to additional insurance solutions commonly needed by law and accounting firms.You qualify if you:
Learning Resources
Why Retiring Lawyers Should Think Twice Before Switching Professional Liability Carriers
Lessons from the Courtroom: Real Cases for Small Law Firms
EBOOK: How Strong Communication Drives Attorney-Client Satisfaction
Support & Next Steps
Short trust-building closure.
Modules
- Backed by AM Best Excellent carriers or higher
- Niche Focused Underwriting Expertise
- Fast, advisor-led support for small to mid-sized firms
Ready to Get Started?
See how Protexure can help