Professional Indemnity Insurance for Bookkeepers

The role of a bookkeeper can be varied and underwriters need to understand the various functions you are involved in to provide business insurance.

Why choose Hensure for PI insurance


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Why professional indemnity insurance for Bookkeepers makes sense.

A Bookkeeper acts in a professional capacity and offers advice and a professional service to clients who rely on the accuracy of your service. If you make an error or omission in the advice that you give and this causes a third party to suffer a financial loss then you could be held liable.

Professional Indemnity Insurance for Bookkeepers provides cover for both the cost of defending such claims, and for subsequent damages for which you may have become liable.

It is important for Bookkeepers to carry a sufficient limit of Professional Indemnity Insurance as mistakes can be costly and so can the legal fees. If you are an ICB member, then you will be required by your professional body to carry a minimum of £50,000 Professional Indemnity insurance, but it is often sensible to carry higher limits than this.

Here at Hensure, we can act as a one-stop shop for your insurance needs, with a question set that is tailored specifically for bookkeepers. We have managed to source preferential rates for IAB members.

We can also look to build a bespoke business insurance for bookkeepers offering clients a policy which includes office equipment and liability cover, accident and incapacity cover and legal expenses cover.

Bookkeeper Roles

As a general rule, the roles can be split into the following categories:

  • General Bookkeeping
    • Accounts Preparation
    • Budgets
    • Cash flows
    • Computerised Accounts
  • Compliance Accounting and Taxation
    • VAT
    • Personal Income Tax
    • Business Income Tax
    • Corporation Tax
    • Chargeable gains/ CGT
  • Payroll
    • Wages and salaries
  • Management Consultancy
    • Business Planning

For further information on any aspect of PI insurance for bookkeepers, please do not hesitate to contact us.

Professional indemnity insurance for Bookkeepers. P I Insurance.

  • Practice Size – this is the gross annual income of the company & the number of partners/directors/employees.
  • Qualifications and Experience – a new start up is likely to have to pay more for the Professional Indemnity Insurance than a firm that has been trading for 10 years and that has a proven track record of experience and a clean claims record. An underwriter may wish to see the CV of the bookkeeper if they are a new start up, being able to provide that you hold the relevant qualification will be a mark of quality and should allow the underwriter to discount their premium.

A typical Professional Indemnity insurance policy for bookkeepers will normally cover the following areas:

  • Breach of civil liability
  • Negligent act, error or omission
  • Unintentional intellectual property rights infringement (other than patents)
  • Unintentional breach of confidentiality
  • Unintentional defamation
  • Loss of third-party documents or data
  • Computer virus transmission
  • Negligence of sub-contractors
  • Irrecoverable fees
  • Bodily injury or property damage arising from breach of professional duty
  • Defence costs
  • Court attendance costs

Your policy coverage may vary between insurer.

Professional Indemnity

  • Professional Indemnity provides cover for claims that arise as a result of the work you have completed or advice you have given.

Public Liability

  • Public Liability provides cover should members of the public receive an injury or property damage due to your work. This protects your business should a compensation claim be made, also covering any legal costs that result from this.

Employers’ Liability

  • Employers’ Liability provides cover for compensation claims and associated legal costs, arising from employee injury or work-related illness.

Cyber Insurance

  • Cyber Insurance provides support in the event of cyber-crime and unintentional data breaches, offering cover against the cost of revenue and fines.

Directors and Officers

  • Directors and Officers insurance policies protect you financially against any claims that are made against you personally in your position as a director, partner or officer of your business.

Legal expenses insurance

  • If you were involved in a legal battle, knowing that any money you spend on legal bills would be reimbursed could make all the difference. Legal expenses insurance does just that. It ensures that your business remains financially stable after a legal case by helping to compensate the business for incurred costs.


Contact us to find out more about the right cover for your business.

Contacted Hensure regarding Public Liability and PI insurance. So glad I did! Rhian was so professional, friendly, and helpful. Definitely recommend anyone to contact them first.

Jackie Skeer, Skeer Building Consultancy Ltd

PI insurance – Everything you need to know

Professional Indemnity Insurance covers legal expenses incurred in defending a claim against you, even if the claim is false. It will also cover the compensation awarded, should they win their case, and the cost of any losses that they incurred as a result of your negligence.

If your business ceases operations, there is still a chance that a claim could be made against you in the future. PI Insurance can provide run-off cover to ensure that these claims are still covered and you are still protected.

You can buy short-term PI Insurance cover, but it comes with a significant risk that must be considered.

Professional Indemnity Insurance works on a claims made basis, meaning that the insurance policy that you hold at the time the claim is made is responsible for the claims and any associated costs. If you cancel the policy after your contract has ended, and a client then makes a claim against you after this time, you do not have any insurance to cover this and will be solely liable.

You must hold insurance at both the time the incident occurs, and the time that the claim is made, to be protected.

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R K Henshall & Co Ltd, The Grove, Mill Lane, Wheelock, Sandbach, Cheshire CW11 4RD.

Copyright © Hensure | Hensure Business Insurance Consultants is a trading name of RK Henshall & Co Ltd. RK Henshall & Co Ltd are authorised and regulated by the Financial Conduct Authority. Registration Number: 308865. Directors: J.R. Henshall B.A.(Hons) ACII Cert CII (FS), A.J.Simpson ACII, A.Brown FCCA. Company Secretary: A.Brown FCCA. Written quotations, policy terms, conditions and exclusions are available on request. Privacy policy, Cookie policy, Terms, Complaints Procedure, Consumer Duty Statement

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