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Accountants

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Rueter Insurance assurance

Our approach is based on avoiding unintended consequences by recommending the correct coverages at a competitive cost. We accomplish this objective through attention to detail, asking the right questions, and marketing your account to insurance companies that respect quality work.

Essential Coverages

  • Professional Liability
  • Disability
  • Life Insurance
  • Equipment Breakdown
  • Business Income with Extra Expense
  • Cyber Liability with data breach
  • Employment Practices Liability with third-party
  • Employee Dishonesty, including customer’s property
  • Directors and Officers Liability
  • Targeted Hacker Attack – Business Income
  • Identity Theft
  • Building and Business Personal Property
  • Umbrella/Excess Liability
  • Workers’ Compensation
  • Business Income with extra expense
  • Valuable Papers and Records
  • Electronic Data Processes
  • General Liability
  • Auto Liability and Physical Damage
  • Hired and Non-Owned Automobile Liability
  • Employee Benefits
  • Money and Securities

Critical Issues

  • Power surges and power failures
  • Eyestrain, neck strain, carpal tunnel syndrome
  • Employee theft
  • Hired and Non-Owned Auto. Necessary, if employees use their own car to run errands.
  • Disability Income. Coverage for lost income in the event of a sick or injured accountant.
  • Business Income. Decrease waiting period. Determine adequate length of time to reopen.
  • Prepare a disaster recovery plan
  • Building and BPP valuations
  • Replacement cost valuation of new equipment

Questions agents may fail to ask

  • Do you issue receipts for each cash payment you receive?
  • Who has access to your client records?
  • Do you document client decisions and their written approval?
  • Are employees trained how to sit at their desk ergonomically?
  • Do you have any of your employees run errands? Do they use their own car?
  • Do you have a disaster plan in place?
  • Do you run background checks on all of your employees?
  • What would it cost to replace the current year and model of each piece of equipment?
  • What would you do if your office and equipment were damaged or destroyed?

Case Histories

Professional Liability

An accountant neglected to file a required form, and the mistake is not discovered until years later. The client can demand that the accountant pay for the interest and penalties that resulted from the mistake. Professional Liability coverage would cover the interest and penalties less the policy deductible.

During an audit, it is discovered that inventory and assets were overstated from prior years. It is now too late to recover money from the IRS. Understandably, the client demands that his accountant reimburse him for his overpayments. Professional Liability coverage would reimburse the client after the accountant pays the policy deductible.

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