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Long Term Disability
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Identity Theft
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Auto/Vehicle
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Health Insurance
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Homeowners Insurance
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Medicare Supplement
Long-Term Care
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Personal Liability Umbrella
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Renters Insurance
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Professional Liability
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- Professional Liability Premier Plan
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- What is Professional Liability?
- Discover the benefits of AICPA-endorsed Professional Liability coverage
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Employment Practices Liability
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- What is Employment Practices Liability?
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Cyber Liability
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- What is a Cyber Liability endorsement?
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- Why CPAs choose supplemental cyber liability endorsements
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Business Overhead Expense
- About the Underwriter
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- Why CPAs need it
- What is Business Overhead Expense (BOE) Insurance
- What It Costs
- Why CPAs choose AICPA Business Overhead Expense (BOE) Insurance
- Who is eligible for BOE Insurance
Commercial Property and Liability
- About the Underwriter
- What is Commercial Property and Liability?
- What It costs
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Group Life and Disability
- What Firms Need to Know
- Group Life under 25 employees
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- About the Underwriter
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Group Personal Excess Liability
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Specialty Coverage
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Life Insurance
Medicare Supplement
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Long-Term Care
Personal Liability Umbrella
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Auto tips
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Disability insurance tips
- 5 reasons CPAs don't have disability insurance and why they should reconsider
- Disability Insurance Needs Estimator
- Most common causes of disabilities and how to prevent them
- Three new videos to help you choose an AICPA-endorsed Plan
- 3 Steps to Help Reduce Risk for Disability
- Three steps to take when planning to return to work after a disability
- Why young people need disability insurance
Financial Wellness
Health tips
- How Much Sugar is Hiding in Your Food?
- 7 Steps to Jumpstart Healthy Habits
- Most common causes of disabilities and how to prevent them
- What’s Cooking? Dine in with a Healthy Plan
- How to Conquer Tax Season
- How to stay healthy during times of uncertainty
- One of the Most Important Steps You Can Take to Improve Your Health
- Vitamin D - Are you getting the right amount?
Homeowner tips
- 7 Tips for Holiday Home Fire Safety
- Home sharing and your insurance: What you need to know
- Moving and your home insurance
- How to keep your valuables safe from harm
- Homesharing and your insurance
- Step Up Your Holiday Home Safety with These Important Tips
Identity Theft tips
- Are Children at Risk of Identity Theft?
- A great way to avoid hackers? Password managers.
- Stolen Identity? Ways to avoid it and how to spot the signs.
- Risk Alert: The Rise of Unemployment Fraud – What You Need to Know
- Risk Alert: Identity Theft and Unemployment Insurance Claims
- Help Protect Your Identity While on Vacation
- Work From Home Cybersecurity Tips
Life insurance tips
- Three new videos to help you choose an AICPA-endorsed Plan
- The AICPA Insurance Trust: 75 years of helping to protect members and their loved ones.
- Choose reliability, not luck when planning your financial future
- Do you have enough life insurance for your stage in life?
- Discover the enhanced Level Premium Term Insurance Plan
- Now Is the Perfect Time to Help Protect Your Loved Ones
- How life insurance can help pay for educational expenses.
- The importance of having enough Life Insurance
- If your spouse died today, would you be prepared?
- Just Married? Plan for Your Future with Life Insurance
- Level Premium Term (LPT) Life Explained
- Life Insurance in a Nutshell
- Life Insurance Needs Estimator
- Why It’s Important to Name a Beneficiary
- The importance of life insurance for every woman.
- What to know about Creating a Will
- Keep moving forward throughout every stage of life.
Personal liability tips
- Assess Your Personal Liability Risk
- Quick Answers to CPA’s Questions about Personal Liability Umbrella Insurance
- Umbrella Liability Insurance: Protection for Your Retirement
- Why CPAs Need Personal Liability Umbrella Insurance
Planning for retirement
- Umbrella Liability Insurance: Protection for Your Retirement
- Why women should include long-term care in their retirement strategy
- What to know about Creating a Will
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Acceptance, Continuance and Termination
- Unresponsive Clients Pose a Professional Liability Risk
- Client acceptance: A liability gatekeeper
- Client continuance: A life vest for risky clients
- Frequently asked risk management questions
- The Importance of Gauging Client's Tone at the Top
- Take a Hike: Ending Client Relationships
- Client Termination Letters
- Small actions, big fallout: Lessons from large claims
Accounting & Consulting Services
- Risk Control in Outsourced Accounting Services
- Managing risk related to consulting engagements
- Minding the Expectation Gap in a CAS Engagement
- CPAs as CFO: meeting client needs, managing the risks
- Remember to Plan for Risk
Audit & Attest Services
- Independence is in the Eye of the Beholder
- A Framework for Maintaining Ethics Compliance
- The risk suite: This teenager can mitigate liability angst
- The Importance of Audit Planning
- Advice from the experts: Defending audit claims
- An Auditor's Dilemma: To Consent or Not to Consent?
- There’s No Substitute for Quality
Benefits
- Tips for Buying Group Life Insurance for your CPA Firm
- Group Insurance Plan Key Benchmarks for CPA Firms
- Tax Benefits of Long-Term Care Insurance
- New to Buying Group Life Insurance?
CPA Risk Watch
- On Aon's 2022 Predictions Featuring Global Risk Experts
- How Professional Liability Insurance Helps Protect CPA Firms
- How to Help Reduce Your Professional Liability Risk This Tax Season
- Risk Update: AICPA Firms’ 5 Hot Risk Topics
Data Security Risk Management
- A CPA Firm’s Guide to Cyber Liability Basics Webinar – Part 2 of 3
- A CPA Firm’s Guide to Cyber Liability Basics Webinar – Part 3 of 3
- Cybersecurity risk: Constant vigilance required
- How Many Records Do We Have? Professional Service Firms and PII / PHI Records
- A CPA Firm’s Guide to Cyber Liability Basics Webinar – Part 1 of 3
- The CPA’s Cybersecurity Imperative
- Don’t get victimized by a cybercriminal
- 4 Steps to better Cybersecurity
- Responding to Client Requests for Confidentiality
- Social Engineering: Is Your CPA Firm Protected?
- Crime Coverage Highlight Sheet
- A cyber-attack could spell disaster for your CPA firm
- Employee & Cybercriminal Theft: Should CPAs be Concerned?
- Cyber liability: Managing evolving exposures
- CPA firms, Ben Franklin and a moth; Cyber Risk Mitigation Fundamentals
- Cybersecurity: A top concern among accounting professionals
- Doing Business in the Cloud? Carry an Umbrella.
- Professional Liability Risks Related to Cloud Computing
- Risk Alert: Risks Associated with New York SHIELD Act
- The armor of awareness
- Controlling your data
- The Health Information Technology for Economic and Clinical Health Act and Business Associates
Diversity, Equity, and Inclusion (DEI)
- Five Key Areas to Focus
- Inclusive Future of Work : Are Inclusion and Diversity Part of Your Benefits and Retirement Program?
- CPA Spotlight September 2021
- CPA Spotlight July 2021
- CPA Spotlight March 2021
- CPA Spotlight February 2021
- Aon’s Lisa Stevens on shaping the modern workforce
- Diversity, Equity and Inclusion in the Workplace
Employment Practices
- California Employment Law Update 2022 Webinar
- Addressing third-party discrimination or harassment
- Tread Carefully When Using Noncompete Agreements
- Employment Practices Liability Claim Scenarios
- Employment Practices Legal Hotline
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- My Retirement
Homeowner tips
- How to keep your valuables safe from harm
Identity Theft tips
- Help Protect Your Identity While on Vacation
- Medicare Fraud – Protect Yourself and Medicare
Life Insurance Tips
- How could life insurance fit into your retirement plan?
- Keep moving forward throughout every stage of life.
- Why It’s Important to Name a Beneficiary
Long-term Care Tips
- Navigating the Ever-Changing World of Long-Term Care Insurance Solutions
- Do you have a strategy for caregiving?
- Millennials face additional challenges as caregivers
- Preparing for long-term care during a time of loss
- Why women should include long-term care in their retirement strategy
Medicare Tips
- Medicare Fraud – Protect Yourself and Medicare
- The Advantages of Your Medicare Supplement
Personal Liability Tips
- Assess Your Personal Liability Risk
- Umbrella Liability Insurance: Protection for Your Retirement
Planning for Retirement
- Investing in Turbulent Times: The Impact of the Coronavirus
- Retirement Planning Tools
- Navigating the Ever-Changing World of Long-Term Care Insurance Solutions
- The Advantages of Your Medicare Supplement
- The Advantages of Your Medicare Supplement
- Umbrella Liability Insurance: Protection for Your Retirement
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- Me & My Family
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800.223.7473
Business Overhead Expense
Business Overhead Expense Insurance can help keep the business running while you are sick or injured with monthly coverage ranging from $1,000 to $12,000.
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800.223.7473
Frequently Asked Questions
I already have disability coverage. Why do I need BOE coverage?
BOE Insurance can help protect you from having to dip into your Long Term Disability (LTD) Insurance benefits (or savings) to pay business expenses, thereby helping to safeguard your LTD benefits for expenses like medical co-pays, rent/mortgage on your family home, childcare, credit card bills, utilities, etc.
Having both BOE and LTD coverage can help provide peace of mind so you can focus on your recovery. And, BOE only has a 30-day waiting period, allowing you to get your benefits sooner.
What is the definition of disability under the BOE Plan?
You are considered disabled if you are unable to perform the material and substantial duties of your occupation due to sickness or injury. You also must be under the regular care of a doctor. If you are working or have the capacity to work 40 hours per week, you may not receive benefits.
How much BOE Insurance do I need?
How much BOE Insurance do I need? You should consider an amount that will help cover the current fixed monthly expenses needed to run your business. You can use our Monthly Expense Worksheet (PDF) to calculate your needs.
Will I be covered for successive disabilities?
If you receive benefits for a disability, recover and become disabled again while you're still covered under the Plan, the second disability may be regarded as a continuation of the first. You won't have to satisfy an additional waiting period.
However, the second disability will be considered new if you were working full-time for at least three consecutive months. The second disability will also be considered new if it is the result of an entirely unrelated cause.
When will my coverage terminate?
Your coverage ends when you reach age 70, unless you are receiving benefits. Benefits are paid in accordance with the terms of the Certificate. Early termination occurs if:
- You are no longer a member of the AICPA
- The master policy terminates
- You withdraw from the Plan voluntarily
- You fail to make timely payments of the required contributions
- You have received benefits to the maximum period of payment
- You begin active duty in the armed forces
- You may also request to move to a lower monthly coverage amount if your coverage is above $1,000.
Moments that Matter
Starting your own CPA firm
Starting your own CPA firm
Is your firm considering opening a new office now or in the near future? Doing so often presents unique issues that may catch you off guard.
Professional Liability
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Assistance with the associated legal and defense fees in the event of a lawsuit for errors and omissions.
Long Term Disability
Long Term Disability
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Make sure you have enough coverage to help pay your current bills—plus any extra expenses—if you should become disabled and are unable to work.
Personal Liability Umbrella
Personal Liability Umbrella
Learn more
Personal liability coverage for incidents that exceed the coverage limits of auto and home policies.
Disclaimer
Please see the Exclusions and Provisions.
Please see the Group Life and Disability Income Medical Underwriting NOTICE.
This site may contain marketing language, on products issued by The Prudential Insurance Company of America, that have not yet been approved in all states.
North Carolina Residents: THIS IS NOT A MEDICARE SUPPLEMENT PLAN. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare, which is available from the company.
This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.
Aon Insurance Services is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc., a licensed producer in all states (TX 13695); (AR 100106022); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services Inc.; in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency.