Accountants and Consulting Professional Liability Program. You have the best coverage. Disciplinary Proceedings. Subpoena Expenses
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1 Accuntants and Cnsulting Prfessinal Liability Prgram Yu have the best cverage Fr mre than a dzen years, CPAGld has strived t be the mst innvative and frward thinking prfessinal liability insurance prgram fr accuntants. Our member firms face new and mre difficult challenges which tests the mettle f even the mst well managed practices. New areas f practice, new ways f ding business, new theries f negligence, new classes f ptential claimants - all cmbine t frm the perfect strm thrugh which nly the best managing partners can navigate. Since 1994, CPAGld has develped an envirnment that encurages cnstant review and re-tling f the prgram t ensure we ffer the best quality cverage t member firms. The prgram cnstantly seeks ways t prvide meaningful cverage enhancements t yur plicy. Often these arise frm dialgues with member firms. Beynd the brad definitin f prfessinal services including cnsulting services, the expansive list f cvered persns, wrldwide cverage, and the nn-cancellable (by the insurer) features f the plicy, sme f the mre imprtant benefits are as fllws: Disciplinary Prceedings Cverage f up t $50,000 in defense expenses is prvided fr a prceeding befre a state licensing bard, peer review cmmittee r gvernmental regulatry agency. This is in additin t the limit f liability and nt subject t the deductible. Subpena Expenses Unlimited cverage in respnding t a subpena fr dcuments r testimny. This is in additin t the limit f liability and nt subject t the deductible. Expense Reimbursement Cverage f up t $750 per day and $50,000 per plicy perid, fr actual lss f earnings and reasnable expenses incurred when yu attend a hearing, trial r arbitratin prceeding. This is in additin t the limit f liability and nt subject t the deductible. Claim Mitigatin If ADR (Alternative Dispute Reslutin) is used t reslve a claim, 100% f yur deducible will be waived up t $25,000. If yu use an engagement letter fr nn-attest services, the deductible will be reduced by 50% up t a maximum reductin f $10,000 each Claim, and $25,000 in the aggregate fr the Plicy Perid. If a claim is fully reslved within ne year f being reprted, the deductible will be reduced by 25% up t a maximum reductin f $25,000. This brchure is fr illustrative purpses nly. Only the plicy frm and endrsements themselves can prvide actual cverage wrding and cnditins. These endrsements are subject t underwriter apprval and may nt be ffered r available t all firms.
2 Accuntants and Cnsulting Prfessinal Liability Prgram Hw CPAGld is respnding t tday s challenges... In tday s technlgy driven wrld, security breeches, identity theft and ther cyber perils have becme a cmmn ccurrence. As a result, the threats against yur accunting practice have expanded in ways hardly frseen just a few years ag. CPAGld has evlved t address these threats and has added the availability f the fllwing endrsements t prtect yu, and yur practice, in this ever-changing envirnment. CPAGld Plicy Enhancements. First Party Cyber Liability Cverage* - CPAGld will reimburse yu up t $25,000 fr the cst f hiring a third party cnsultant r adviser, t mitigate the ptential f legal liability claims arising frm any security breach which results in the lss r theft f cnfidential client infrmatin. This cverage is nt subject t the deductible. Discriminatry Cmplaint Regulatry Cverage - CPAGld will reimburse yu up t $25,000 fr attrney fees and ther reasnable csts r fees paid t third parties as a result f a discriminatin cmplaint filed with a gvernment bdy r cmmissin. This cverage is nt subject t the deductible. Supplemental Claims Expenses Cverage - In the event the aggregate limit f liability is exhausted by payment f lss r defense csts under this plicy and there remain any unreslved r utstanding claims, CPAGld will reimburse yu fr an amunt equal t 10 percent f the limit f liability up t a maximum amunt f $100,000 fr defense csts incurred by yu in handling defense f such unreslved r utstanding claims. This cverage is nt subject t the deductible. Nt Fr Prfit Directrships Cverage* - CPAGld will reimburse yu up t $15,000 per claim/$30,000 per plicy perid fr legal liability arising ut f yur activities as a Directr r Officer f a Nt-fr- Prfit Organizatin that is nt a client. This cverage is nt subject t the deductible.. Reputatin Prtectin Cverage - CPAGld will reimburse yu up t $10,000 per claim/$30,000 per Plicy Perid fr reasnable fees, csts, and expenses incurred by yu fr cnsulting services prvided by a public relatins firm apprved by us t yu in respnse t a Reputatin Claim. This cverage is nt subject t the deductible. * Cverage will be excess and fllw frm f all valid and cllectible insurance prvided t yu under any specific plicy. Outside nt-frprfit directrship cverage is excess f any indemnificatin prvided by utside rganizatin. This brchure is fr illustrative purpses nly. Only the plicy frm and endrsements themselves can prvide actual cverage wrding and cnditins. These endrsements are subject t underwriter apprval and may nt be ffered r available t all firms.
3 Accuntants and Cnsulting Prfessinal Liability Prgram CPAGld Optinal Endrsements Electrnic Media & Cyber Perils Endrsement This endrsement expands the Accuntants Prfessinal Liability Plicy t ptentially include cverage fr: Misdirectin f and electrnic media Lss r theft f client infrmatin transmitted via electrnic media, laptp, r ther prtable cmputer Intrductin f a cmputer virus r enabling a denial f service attack Enabling unauthrized access by a third party int a cmputer system r netwrk Exceeding authrizatin t a client r third party cmputer system r netwrk Persnal injury arising frm use f electrnic media, including yur website r scial netwrking website (Twitter, Facebk, LinkedIn, etc.) Client Identity Theft Endrsement This endrsement expands the definitin f damages under yur Accuntants Prfessinal Liability Plicy t include: amunts t crrect, mnitr and safeguard persnal identities that yu have a legal liability t prtect frm identity theft Reducing Deductible Endrsement This endrsement prvides a 10% reductin in the amunt f the deductible, up t 50%, fr each year yu are claims free. Fiduciary Cverage Endrsement This endrsement prvides cverage fr any Fiduciary Act, including breach f respnsibilities impsed under ERIA, HIPAA r ther cmmn r statutry law, r errrs arising frm the administratin f a benefit plan. Part-time Legal Services Endrsement This endrsement prvides cverage fr services as a part-time attrney r CPA-Attrney. It is nt intended t replace lawyers prfessinal liability insurance Valuatin Services Endrsement This endrsement prvides cverage fr fines and penalties levied against yu impsed upn yu pursuant t Internal Revenue Cde sectin 6695A. This brchure is fr illustrative purpses nly. Only the plicy frm and endrsements themselves can prvide actual cverage wrding and cnditins. These endrsements are subject t underwriter apprval and may nt be ffered r available t all firms.
4 Accuntants and Cnsulting Prfessinal Liability Prgram CPAGld Optinal Endrsements - cntinued IRS Penalties Endrsement The U.S. Cngress passed a law in May 2007 that tightened the disclsure requirements fr tax preparers under Sectin 6694 f the tax cde. Under the law, in rder t prtect themselves frm a ptential penalty, preparers wuld be required t seek disclsure t the IRS any tax psitins taken by a taxpayer that didn't meet the Internal Revenue cde's 'Mre Likely Than Nt' standard. Despite wrk by the AICPA and thers, the expsure t member firms ffering tax preparatin services t clients remains. CPAGld prvides an ptinal endrsement t clarify cverage fr penalties impsed upn yu pursuant t Internal Revenue Cde sectin Internal Revenue Cde 7216 Penalties Endrsement IRC Sectin 7216 prhibits anyne wh is invlved in the preparatin f tax returns frm knwingly r recklessly disclsing r using the tax-related infrmatin prvided ther than in cnnectin with the preparatin f such returns. Anyne wh vilates this prvisin may be subject t a fine r even imprisnment. Subject t a Limit f Liability f $25,000 per plicy perid and deductible f $5,000 per plicy perid, CPAGld prvides an ptinal endrsement t clarify cverage fr penalties impsed upn yu pursuant t Internal Revenue Cde sectin And the same tp quality added value services A free lss cntrl prgram which has NASBA QAS apprval fr 12 CPE credits and secures a credit f 7.5 % f the premium fr successful cmpletin. Cnsultatin services via the Legal Assist Line. This service, prvided by Ralph Picardi, an attrney/cpa, is free f charge and strictly cnfidential. Free review f engagement letters, risk management issues and access t a library f engagement letters and standard client crrespndence dealing with a variety f prfessinal risk situatins. Assistance with the additin f Mediatin language t engagement letters (which als qualifies fr a premium credit). Peridic newsletters and bulletins n prfessinal liability risk management tpics fr accuntants. This brchure is fr illustrative purpses nly. Only the plicy frm and endrsements themselves can prvide actual cverage wrding and cnditins. These endrsements are subject t underwriter apprval and may nt be ffered r available t all firms.
5 Accuntants and Cnsulting Prfessinal Liability Prgram With the same superir cverage enhancements CPAGld cvers prfessinal services perfrmed fr an entity even if an insured is an fficer, directr, general partner r manager f the entity, r f which the insured r spuse has a 10% r less equity in such client (unless the services are audits r reviews). CPAGld cvers prfessinal services perfrmed by entities f which yur firm wns mre than 50%. CPAGld applies t claims brught against yu anywhere in the wrld. Prfessinal Services is defined as services perfrmed r advice given by yu prvided that the remuneratin fr such services r advice, r a prtin theref, inures t yur benefit. (Als includes cverage fr services r advice prvided Pr Bn.) The use f remuneratin pens up a brader definitin f the services and activities cvered. Cvers Punitive Damages (unless uninsurable by law). The plicy is nn-cancellable by the insurer. The mst cmpetitive and cmprehensive Extended Reprting Perid Optins. Backed by Stability CPAGld is the registered trade mark f the Prfessinal Advisers Purchasing Grup, Inc. CPAGld is an advcate fr member firms t secure the best plicy terms and pricing. CPAGld als develps lss cntrl and risk management services n behalf f members. CPAGld regularly cnsults with member and nn-member firms t discuss develpments in the envirnment fr accuntants prfessinal liability insurance, and where apprpriate, makes changes t the prgram. CPAGld is underwritten by Greenwich Insurance Cmpany [ XL ] an insurer rated A [ Excellent ] by A.M. Best. Staffed with experienced underwriters and a tp-ntch claims team, XL is cmmitted t becming the premier prfessinal liability insurer fr accuntants and related prfessinals. XL writes a variety f ther prfessinal liability classes, and is accessible and respnsive t the needs f CPAGld member firms. XL is traded n the NYSE under the symbl XL. Their website is 42 West Allendale Avenue Allendale, NJ Phne: Fax: This brchure is fr illustrative purpses nly. Only the plicy frm and endrsements themselves can prvide actual cverage wrding and cnditins. These endrsements are subject t underwriter apprval and may nt be ffered r available t all firms.
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