Business Insurance for Accounting Practices | Abacus Australia
Business Insurance

Business Insurance That Keeps the Lights On

Your advice is your edge; your office keeps it moving. If equipment walks out the door, a window breaks, or a visitor trips, Business Insurance helps make a bad day survivable — without disrupting the work your clients depend on.

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Professional woman in a modern accounting office
What's covered

Four core covers in one office pack

A Business Insurance policy for an accounting practice typically bundles these four protections into a single, manageable policy.

Property

Contents, fit-out, and glass. Covers damage to your office and its contents from insured events.

Theft

Stolen equipment or forced entry. Protection when hardware or physical assets go missing.

Public Liability

Injury or property damage to others. Essential if clients, couriers, or visitors come to your premises.

Business Interruption

Lost income after an insured event. Helps keep cash flow stable while you get back on your feet.

Optional add-ons to tailor your cover

  • Portable Contents / General Property — for laptops and devices you take offsite
  • Flood cover — where relevant to your location
  • Glass cover — for shopfront or glass-heavy fit-outs
  • Management Liability — for directors and officers exposure
Why it works for accountants

Cover that actually fits your practice

Not every business insurance policy is designed for professional service firms. Ours is.

01

Built for offices, not warehouses

Cover sized and priced for professional service firms, not trades or retail. No paying for risks you don't have.

02

No gaps in your bundle

Cross-checked with PI and Cyber so there are no blind spots between policies. We align renewal dates so you're not juggling five calendars.

03

Simple to get started

Tell us about your office, equipment, and visitor foot traffic. We'll arrange options through PSC and get you documented fast.

Important: Limits, sub-limits, and conditions vary by insurer. Always review your schedule and Product Disclosure Statement (PDS) to confirm your coverage.

Common questions

Business Insurance — answered simply

The questions accountants ask us most before they get covered.

Do I really need public liability as an accountant?
If clients, couriers, or any third parties visit your premises, yes. A trip and fall in your waiting room is a real liability — public liability cover is the straightforward protection for it.
What is "Business Insurance" for an accounting firm?
It's typically an office pack policy that combines cover for property, theft, public liability, and business interruption. Think of it as the operational layer that sits alongside your PI and Cyber cover.
Do I still need PI if I have Business Insurance?
Yes — they cover completely different things. PI covers advice-related claims from professional errors; Business Insurance covers physical and operational risks like property damage and public liability. You need both.
How is the premium calculated?
Based on your location, the value of contents and equipment, selected covers, security measures, and your claims history.
What's the difference between Public Liability and Professional Indemnity?
Public Liability responds to third-party bodily injury or property damage from your physical operations (e.g., someone trips in your office). PI responds to losses arising from your professional advice. Both are typically essential for an accounting practice.
Are laptops and portable devices covered offsite?
They can be — add Portable Contents or General Property to cover items you move between the office, client sites, or home.
Can I add flood or glass cover?
Yes. Tell us your premises details and we'll tailor the cover to your exposure.
What excess is reasonable?
We'll show you the options and the premium trade-offs so you can make an informed call. Higher excess typically means a lower premium — the right balance depends on your cash flow and risk appetite.
Protect your practice from the ground up

Office pack cover built for accounting firms

Property, liability, and interruption cover — cross-checked with your PI and Cyber so nothing falls through the gaps.

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Other insurance options

Round out your cover

Business Insurance works hardest when it sits alongside these policies.

Professional Indemnity Insurance

Covers claims arising from professional errors, omissions, or negligent advice — the policy that protects the work, not the office.

Learn more

Cyber Insurance

Data breaches, ransomware, and business email compromise all carry real costs. Cyber cover responds when digital threats hit your practice.

Learn more

Tax Audit Insurance

Covers the professional fees your clients incur when the ATO or State Revenue Office initiates a review, audit, or investigation.

Learn more