Accounting firms are no different from other businesses with a physical location – facilities are subject to damage from severe weather, electrical outages, and criminal break ins. Most likely, your homeowner’s insurance won’t cover these types of losses, even if you’re working from a home office.
Beyond all the physical assets, your expertise and that of your staff is your firm’s valuable asset for the firm. If people can’t perform due to health or disability issues, your business will suffer.
Ensure you and your employees are covered with the appropriate health insurance, disability coverage, and other important employee benefits.
Get insurance. At a minimum, it is prudent for any small business to have a Business Owner’s Policy. However, because there are many risks that come with running a business, accountants would be wise to consider additional coverages.
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