General Liability Insurance for Bookkeepers in Washington
While bookkeepers may not work in high-risk environments, they still face everyday business liabilities that can lead to costly lawsuits. Whether you’re meeting clients in person, working from a shared office, or renting a commercial space in Seattle, Spokane, or Tacoma, general liability insurance is a smart way to protect your bookkeeping business from unexpected incidents.
What Is General Liability Insurance? General liability insurance helps cover third-party claims of bodily injury, property damage, or personal and advertising injury. It is a foundational insurance policy for most businesses, including financial service providers like bookkeepers.
What It Covers:
- Bodily injuries that occur at your office or client’s location
- Damage to client property while working offsite
- Accusations of libel, slander, or copyright infringement
- Legal defense costs, court fees, and settlements
Why Bookkeepers in Washington Need It
- Client-facing work: Even if you work remotely, occasional in-person meetings, co-working spaces, or networking events can result in accidental injury claims.
- Office or studio space: If you rent a professional space, landlords often require proof of general liability coverage.
- Marketing your services: Advertising efforts, social media, and website content can accidentally violate trademarks or cause reputational harm to others.
Real-Life Scenarios for Bookkeepers
- A client trips over your bag during an in-office consultation and suffers an injury.
- While visiting a client’s business, you accidentally knock over and break expensive equipment.
- Your marketing materials inadvertently use a trademarked phrase, resulting in a cease-and-desist.
What It Doesn’t Cover:
- Professional errors or omissions (covered by professional liability)
- Employee injuries (covered by workers’ comp)
- Cyberattacks and data breaches (covered by cyber liability)
How Much Coverage Do Bookkeepers Need?
- Most Washington-based bookkeepers carry a $1 million per occurrence limit with a $2 million aggregate.
- Your limit should reflect the size of your business, number of clients, and whether you rent or own office space.
Benefits of General Liability Insurance
- Meet commercial lease requirements
- Secure new client contracts
- Gain peace of mind as you grow your firm
Why Washington Bookkeepers Choose Insurance Alliance Insurance Alliance helps solo bookkeepers and growing practices across Washington find the right balance of affordability and protection. We:
- Offer fast, customized quotes from top-rated carriers
- Advise on bundling with professional or cyber coverage
- Provide ongoing support as your business evolves
Protect Your Bookkeeping Business from Everyday Risks Accidents and claims can happen when you least expect them. Make sure you’re prepared with general liability coverage that fits your bookkeeping business in Washington.
Contact Insurance Alliance today to learn more and get a personalized insurance quote.
