Alishahi InsuranceIndependent Insurance Broker
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Who insures it · 2 named markets · read 2026-10-28

Who insures Accountants with claims?

Accountants with claims is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

2 markets publicly write Accountants with claims: Kinsale Insurance, Prime Insurance Company. 2 E&S carriers. 2 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
Kinsale Insurance
E&S carrier		Professional liability for small to midsize accounting firms and solo practitioners; regularly considers accounts with prior claims and adverse loss history.
“writes small to midsize accounting firms and solo practitioners”		all 50 states, DC, Puerto Rico and the U.S. Virgin IslandsSurplus lineskinsaleins.com · read 2026-10-28
Prime Insurance Company
E&S carrier		Errors and omissions liability for accountants (and attorneys, architects, engineers, insurance agents and brokers); takes on individuals and businesses canceled, nonrenewed or rejected elsewhere.
“Besides doctors, attorneys, and accountants, this insurance can protect architects”		all 50 statesSurplus linesprimeis.com · read 2026-10-28

Amwins CPAGold (available in all U.S. states), CNA/AICPA, Great American and Admiral pages write accountants but say nothing about prior claims and were left out. CAMICO skipped because its robots.txt disallows ClaudeBot; CPA Mutual domain did not resolve; Philadelphia's site shows no accountants product page.

How Accountants with claims gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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