Estimated Cost (2026)
Adjust based on your team size
Just me (1)Team (20)
$870-$1280
Estimated Annual Premium
Monthly Average Breakdown
$85 / mo
Includes General Liability
Industry Risk Profile
Accountants have near-zero physical risk but absolute necessity for Errors & Omissions (E&O) insurance to cover financial calculation mistakes.
Risk Factor0.6x
Location Factors
- State Base Rate$1150
- Miami Multiplier1.4x
- State Tax Rate6.0%
Local Compliance FAQ
Is General Liability required in Miami?
While Florida law may not mandate it for all businesses, Accountant & CPAs often need proof of insurance to bid on local commercial projects in Miami.
Why is the rate different here?
Your premium reflects Florida's specific base rate of $1150 and a local city multiplier of 1.4x.
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