{"id":17312,"date":"2019-05-23T11:37:47","date_gmt":"2019-05-23T10:37:47","guid":{"rendered":"https:\/\/www.policybee.co.uk\/blog\/?p=17312"},"modified":"2024-07-03T11:58:04","modified_gmt":"2024-07-03T10:58:04","slug":"insurance-for-aat-accountants-bookkeepers","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/insurance-for-aat-accountants-bookkeepers","title":{"rendered":"Insurance for AAT accountants and bookkeepers"},"content":{"rendered":"
\n
\"AAT<\/figure>\n<\/div>\n\n\n

There\u2019s no getting round it. If you want to do your accountancy or bookkeeping job under an AAT licence, then you need insurance. <\/p>\n\n\n\n

\u2018AAT insurance\u2019 to be precise, which is the Association for Accounting Technicians<\/a>‘ take on exactly what type of cover you need \u00ad\u2013 and how much.<\/p>\n\n\n\n

But look on this as a positive. Because the AAT is doing you a favour by recognising how valuable insurance is. And by understanding that shelling out for a policy is a mere nothing compared to the very real prospect of financial ruin if you\u2019re sued for making a mistake. <\/p>\n\n\n\n

<\/p>\n\n\n\n

Oops!<\/strong><\/h2>\n\n\n\n

Yes, a mistake. We all make them.\nAnd just because you\u2019re an accountant or bookkeeper with AAT kudos, it won\u2019t\nmake you immune. It\u2019s still just as easy to add up a column of numbers wrong,\nforget to file some papers, or forecast figures that are well wide of the mark.<\/p>\n\n\n\n

The AAT knows this, and its\ninsistence on insurance is a measure of just how damaging those mistakes can\nbe. Because if a client\u2019s lost money after you gave them bad advice or made a\nmess of their tax return, they\u2019re going to want compensating \u2013 big time.<\/p>\n\n\n\n

The problem you\u2019ll then face is that you\u2019ll have to deal with the claim whether it\u2019s justified or not. That takes time and legal expertise (both of which you\u2019re probably short on). Plus, you may end up having to pay not just hefty legal bills but \u00a3thousands in compensation. Ouch.<\/p>\n\n\n\n

<\/p>\n\n\n\n

AAT insurance requirements<\/strong><\/h2>\n\n\n\n

The AAT wants its members to take a professional and proactive approach, which means being prepared for such situations. Professional Indemnity (PI) insurance<\/a> does that job by paying for a legal expert to represent you if there\u2019s a claim and covering any court costs or compensation.<\/p>\n\n\n\n

When it comes to shopping around for PI insurance, the AAT adopts a fairly relaxed approach. It doesn\u2019t dictate a list of names to buy from, as is the case with some professional associations. And that\u2019s a plus, because it allows you to speak to an independent broker<\/a>, which is always the best route in our experience.<\/p>\n\n\n\n

However, the AAT are a bit stricter\nwhen it comes to levels of cover and require a minimum, based on your status\nand income. It pans out like this:<\/p>\n\n\n\n

Sole traders:<\/strong> whichever is greater<\/strong>\n\u2013
\n\u00a350,000 or <\/strong>2.5 times the firm\u2019s\ngross fee income.<\/p>\n\n\n\n

Partnerships <\/strong>and limited\ncompanies<\/strong>: whichever is greater<\/strong>\n\u2013
\n\u00a3100,000 or <\/strong>2.5 times the firm\u2019s\ngross fee income.<\/p>\n\n\n\n

If your gross fee income is over \u00a3400,000, you need \u00a31 million worth of cover. <\/p>\n\n\n\n

Your AAT insurance must also be of a certain type. It must work on an \u2018any one claim<\/a>\u2019 basis, which means each claim is treated separately. So, say your level of cover is \u00a3100,000, your insurer will pay compensation up to that amount for each<\/strong> claim, as well as<\/strong> up to \u00a3100,000 in legal costs. <\/p>\n\n\n\n

<\/p>\n\n\n\n

Retro look<\/strong><\/h2>\n\n\n\n

The other proviso is that your AAT insurance must be \u2018retroactive<\/a>\u2019, to cover work you did in the past. That\u2019s because PI works on a \u2018claims made<\/a>\u2019 basis. It means for a claim to be valid, your policy needs to be up and running both when the work was done and when a claim is made.<\/p>\n\n\n\n

Retroactive cover is a good idea\nfor accountants and bookkeepers because problems don\u2019t always surface\nimmediately. Things can go wrong more slowly. But if your policy\u2019s retroactive,\nyou\u2019re covered for complaints about work you did weeks, months or even years\nago. <\/p>\n\n\n\n

So that\u2019s the insurance you absolutely have to have when you\u2019re working under the AAT badge. But what other cover might you need?<\/p>\n\n\n\n

<\/p>\n\n\n\n

Other insurance for AAT accountants<\/strong><\/h2>\n\n\n\n

If you have employees, whether they\u2019re full-time, part-time or even getting some unpaid work experience, you need employers\u2019 liability (EL) insurance<\/a>. It\u2019s the law and covers compensation and legal costs if an employee is hurt or made ill by the work they do for you.<\/p>\n\n\n\n

The penalties are pretty scary if the Health & Safety Executive<\/a> catches you without it. They can fine you \u00a32,500 for each day you should have had it but didn\u2019t. Then there\u2019s \u00a31,000 on top for not displaying the appropriate certificate.<\/p>\n\n\n\n

Public liability (PL) insurance<\/a> is also a good thing to have because humans are worryingly accident prone (some more than others). People trip over, slip over and fall over with remarkable frequency \u2013 damaging themselves and other things in the process.<\/p>\n\n\n\n

If a client visits your office and suffers a broken leg after getting entangled in an ill-placed electrical cable, they can sue you for damages. Likewise, if you\u2019re at your client\u2019s premises and spill coffee over their expensive IT kit, they can come after you for replacement costs. <\/p>\n\n\n\n

PL helps out in cases like these by covering your legal costs and stumping up for any compensation you\u2019re obliged to pay. <\/p>\n\n\n\n

<\/p>\n\n\n\n

To sum up..<\/strong>.<\/h2>\n\n\n\n

So that\u2019s the basics of AAT\ninsurance. Professional indemnity is a must. As is employers\u2019 liability if you\nhave people working for you. And public liability is a good idea, because\nthere\u2019s always an accident waiting to happen. <\/p>\n\n\n\n

There are other types of cover you might want to consider too, like contents insurance<\/a> for your office kit, and portable equipment insurance for the things you take out and about with you, like laptops and phones. And there\u2019s cyber insurance<\/a> in case you\u2019re hacked and your clients\u2019 confidential data is nabbed.<\/p>\n\n\n\n

It\u2019s a matter of calculating what risks the AAT says you need<\/em> to cover, which you think it would be sensible<\/em> to cover, and what, if anything, you\u2019re happy to leave to chance. Although, unfortunately, your calculator can\u2019t help you. Only cool logic can.<\/p>\n\n\n\n

Have any other questions about AAT insurance? Or any of the types of insurance we’ve discussed? Give our team a call on 0345 222 5391<\/strong>.<\/p>\n\n\n\n

Image used under license from Shutterstock<\/em>.<\/p>\n","protected":false},"excerpt":{"rendered":"

There\u2019s no getting round it. If you want to do your accountancy or bookkeeping job under an AAT licence, then you need insurance. \u2018AAT insurance\u2019 to be precise, which is the Association for Accounting Technicians‘ take on exactly what type … Continue reading →<\/span><\/a><\/p>\n","protected":false},"author":15,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[129,290],"tags":[142,150,299,155,143],"class_list":["post-17312","post","type-post","status-publish","format-standard","hentry","category-professional-indemnity-insurance","category-self-employed-and-freelance-advice","tag-accountants","tag-managing-risk","tag-professional-indemnity-insurance","tag-retroactive-cover","tag-rules-and-regulations"],"acf":[],"yoast_head":"\r\nInsurance for AAT accountants and bookkeepers<\/title>\r\n<meta name=\"description\" content=\"The Association of Accounting Technicians (AAT) says if you 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