The National Directory of Certified Public Accountants

An Industry-Specific Approach to Insurance for CPAs

The Combination of Professional Liability AND Business Owner's Policy

The Hartford offers two critical insurance coverages: business property and business liability in one policy — a Business Owner's Policy (BOP). This convenient policy can protect your business against fire, theft, lawsuits and more.

Whether your small business is just starting out or growing to the next level, you can get flexible coverage to meet your unique needs with The Hartford.

Business Property Insurance

Property insurance from The Hartford can help protect the property owned, leased or rented by your business such as buildings, office furniture and equipment. Also included is coverage for computers and media, and the loss of records for accounts receivable.

Business Liability Coverage

With business liability coverage offered by The Hartford, your business will be provided with coverage in the event it is deemed responsible for causing injury to a person or damage to property. This coverage also helps cover the cost of defending your business.

Key Optional Coverages You Should Consider:

Loss of Business Income

• Provides income for ongoing expenses while your business recovers such as rent or payroll after a covered cause of loss
• Income loss is the primary reason most business do not open after a serious loss

Data Breach Coverage

This optional coverage includes access to professionals who can aid in preventing data breaches, assist you in becoming compliant with regulatory requirements and provide specialized assistance to help if one occurs.

Professional Liability (Errors and Omissions) Coverage

Easily add Professional Liability (Errors and Omissions) coverage to your Business Owner's Policy to help protect your business from a lawsuit whereby a customer or client claims negligence or failure to perform the accounting services promised.


This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. Coverages are individually underwritten and some businesses may not qualify. Availability of coverages may vary by state. All property and casualty policies are underwritten by Hartford Fire Insurance Company, Inc., and its property and casualty affiliates, Hartford, CT. Employee Benefits are underwritten by Hartford Life Insurance Company and Hartford Life and Accident Insurance Company, Hartford, CT.