Updated July 8, 2026
Bookkeepers and accountants typically pay from about $450/year for general liability insurance. The work is desk-based, so the physical exposure a carrier prices for is close to nothing.
How the Bookkeeper / Accountant GL Premium Is Calculated
The math behind a BizInsuranceCost estimate is straightforward: your revenue multiplied by an industry risk factor, then adjusted by a limit factor for the coverage amount you pick. For a bookkeeper or accountant, that industry factor lands at roughly 1.0x the base office rate, which is how the $450/year figure gets built. Plug your own revenue into the GL cost calculator to run that same formula.
Where the Exposure Actually Sits
GL will not pay for a misfiled return or a bookkeeping error that costs a client money. That's a professional mistake, not a slip-and-fall, and it needs its own policy: errors and omissions insurance. Most firms carry both because a client contract often requires proof of both.