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Bookkeepers record the financial transactions of individuals, businesses and organizations. This may include handling payroll, producing financial statements, preparing financial reports and summaries, preparing bank deposits, making purchases, creating invoices and keeping track of an individual's or business' purchases, sales, receipts and payments. Bookkeepers generally possess less advanced skills than accountants do.

General Liability Insurance for Bookkeepers – Bookkeepers should limit their premises liability risks by ensuring their office is well kept and free of trip and fall hazards. Furniture should be stable to avoid any tip over hazard and it should be free of any defects such as sharp corners or exposed nails. Inside floors should not have defects such as cracks or holes and stairs and landings should be constructed to code.

Professional Liability (Errors & Omissions) Insurance for Bookkeepers – Bookkeepers are at risk if an error is made regarding a client’s financial status, for example. Procedures should be in place to ensure checks and balances of all clients’ information.

Workers’ Compensation Insurance for Bookkeepers – Bookkeepers and their employees may be injured from lifting heavy books or paper supplies. Proper lifting techniques should be enforced. Eye injury may occur from the frequent use of a computer screen. Repetitive motion injuries may also occur from working at a desk and using computers every day. Employees should take periodic breaks as a result.

Business Auto Insurance for Bookkeepers – Bookkeepers may drive off-site to meet with clients. As a result, business auto risks will be increased. If employees drive their own vehicles, they should have sufficient Personal Auto insurance in place. Additional risk factors include traveling in heavy traffic and talking on a cell phone while driving. MVRs should be checked every year to ensure safe driving.

Property Insurance for Bookkeepers – Bookkeepers are likely to have large amounts of paper files stored in their offices. As a result, fire loads are increased. Fire extinguishers should be installed, maintained, and tested. Fire loads can be reduced if the paper documents are stored off premises and electronically scanned. Off premises computer backups should be maintained on a daily basis for software and data on all computer servers including email and web servers.

Crime Insurance for Bookkeepers – Bookkeepers should require their employees to complete detailed applications and undergo thorough background checks and reference checks in order to prevent embezzlement. Internal audits should also be conducted often. Electronic theft by outsiders may occur if anti-virus software, SSL, encryption, and firewalls are not used.