Welcome to the Accountants & Bookkeepers Insurance Program
PROLINK has provided professional insurance solutions to accountants and bookkeepers for over 15 years! This experience has given us the insight that’s required to offer you and your firm comprehensive and CPA-compliant protection against the risks you face in your profession. Our long-standing relationships with over 30 insurance companies allow PROLINK to select the ideal insurance partner for accountants and bookkeepers.
We assess our program insurers on their ability to offer an exceptional client experience, breadth of coverage, product and service innovation, knowledge of your needs, available add-on services, speed of turnaround, claims handling, and overall value. We offer an Extended Reporting Period Coverage for 6 years and innovative solutions for emerging and other risks. With a multitude of available pricing and coverage options, you can select a tailored offering that fits your risk profile perfectly, no matter if you’re a: CPA; CPA,CA; CPA,CMA; CPA, CGA; or a Bookkeeper.
You’ll feel confident knowing that you’re receiving the best protection, the best service, and the best price through our Accountants and Bookkeepers Insurance Program.

At PROLINK, we can help you feel confident that you have the right protection.

We believe in personal relationships.
We value knowing you, and taking the time to understand your unique situations, so that we can provide you with genuine advice and follow-through. Our named, dedicated advisors will take a holistic view of your lives and explain all of your coverages and potential exposures, so that you can make educated decisions.

We have over 30 years of experience.
As a result, we’ve seen insurance from every perspective. Wherever you’re coming from, and whatever you need, we’re your one-stop-insurance-shop. You can depend on us for the protection you require.

We represent a network of insurers.
We know their strengths, their weaknesses, how they’ll assess you as a risk, and how they’ll treat you in the event of a claim. Plus, as one of Canada’s largest national brokerages, we have the buying power and influence required to advocate for you and your needs with the various insurers.

We work for you, not the insurer.
As an independent insurance brokerage, we are not obligated to sell you on a particular insurer. Instead, we’ll evaluate the available offerings and the discounts you are eligible for, to bring you solutions to best fit your life.

Protection for My Business and Professional Life
Browse our professional insurance solutions tailored to the needs of: CPAs; CPA, CAs; CPA, CMAs; CPA,CGAs; and Bookkeepers. Shield all of your assets including: your office, your clients, and your sensitive information with our additional policies.
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Professional Liability Insurance (E&O)
No matter if you’re a CPA, CPA,CA, CPA,CMA, CPA, CGA or a Bookkeeper, your job is to advise clients on tough business decisions. Whether you provide profitability analyses, manage payroll or commission structures, evaluate potential investments, assess cost management—or even taxes—the fact of the matter is that your advice is directly tied to your client’s bottom line. And that’s a risky business to be in.
That’s because when it comes to clients and advice, what you intend to communicate may not always be the same as what is understood. So, while you help clients sort out their finances, you need to make sure to protect your own finances too.
We can help. For over 15 years, PROLINK has refined an insurance program that addresses the specific risks you face as an Accountant or Bookkeeper. Our comprehensive Professional Liability Insurance exceeds CPA requirements and will defend you from claims others make against you or your firm within the scope of your professional activities.
Plus, you have the ability to tailor an insurance solution to fit your actual risk profile. That’s because depending on your professional designation, and the types of services you offer, you may require more or less protection. We can help put your mind at ease by ensuring that you are only paying for coverage you truly need and accessing limits that will offer proper protection should something occur.
Policy highlights include:
- A six year Extended Reporting Period (ERP): ERP coverage protects your firm if a claim is made after you or your firm cease to operate the practice. CPAs are required to carry ERP coverage for a minimum of six years after they cease practicing. While ERP coverage normally costs between 235% and 250% of the insurance premium, we waive your ERP premium provided that you have been insured with us for at least one uninterrupted year;
- No gap in your coverage: we will cover all prior acts for your business even if they were previously insured with another company;
- Pays all damages and settlements awarded to a claimant;
- Defence costs are limitless and not constrained by liability limits. Many other providers include defence costs within the liability limits, reducing the insurance funds available to you for a settlement;
- Deductible does NOT apply to legal defence costs if you are not negligent and no damages are paid. Very few policies offer this benefit;
- And more!
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Commercial General Liability Insurance
Commercial General Liability insurance protects you in the case of claims made as a result of third party injuries or property damage. You may think that you’re not at risk, since you don’t do any physical labour. But you meet with clients on a regular basis. Something as simple as a client tripping over your laptop cord could leave you liable for damages of a sum that would surprise you.
This situation is so common that most venues, government parties, landlords, and corporations require that you have Commercial General Liability Insurance in place before you engage in any contract. Additionally, if you run your business from home, you could be exposed. For example, if a delivery man trips while delivering a work-related package, your typical home owner’s policy may not cover it. Commercial General Liability will.
Policy features include:
- Covers incidents that occur on your premises, at a client’s premises, or other location related to professional activities;
- Coverage for:
- Bodily Injury and Property Damage Liability;
- Personal Injury and Advertising Injury Liability;
- Medical Payments;
- Tenants Legal Liability.
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Property Insurance
Owning and operating a business is not easy. Everything—from the furniture you select, to the people you employ—takes careful thought and deliberation. You need to protect your investment of time, money, and resources.
We can help. PROLINK will take the time to carefully audit your office contents, making sure that all of your business property, equipment, software, and furnishings are protected.
Highlights include:
- Funds for actual losses sustained as a result of business interruption;
- Victim related crime losses (cash, cheque forgery);
- Protection for any:
- Equipment;
- Inventory and supplies;
- Office furniture and fixtures;
- Computers and electronics.
- Insure against any theft or physical losses;
- And more!
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Data Security & Privacy Breach Insurance
All businesses run the risk of experiencing a privacy breach at least once in their lifetime. Unfortunately, accountants and bookkeepers are prime targets for social engineering scams and criminal activity due to the private and sensitive nature of the financial information you collect. And under the new PIPEDA guidelines, a network failure, a hack that reveals client information, or something as simple as a lost laptop, could leave you liable for hundreds of thousands of dollars in damages.
But in your profession, the real cost of the privacy breach is actually lost business. Unless you handle a breach effectively, you are likely to see a higher-than-normal client churn rate. The good news is that clients tend to be very forgiving of a privacy breach when you notify clients promptly and make a sincere apology. However, to accomplish these things during the fall-out from a breach, you’ll need a team of consultants, provisions to keep your business running and funds for any potential damages. These expenses are costly. It takes, on average, $265 to handle one lost record.
PROLINK can help. Our Data Security and Privacy Breach Insurance for Accountants and Bookkeepers will allow you to act quickly to investigate and navigate a breach, as well as provide funds to manage your cash flow.
Our policy coverage will provide funds towards:
- Legal coaching on how to handle the breach;
- Business interruption costs while you get your business online;
- Legal fees in the case of a civil suit;
- Court-awarded damages;
- PR services for managing reputational impact;
- Provisions for credit monitoring and client notification fees.
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Employment Practices Liability Insurance
Today’s society can place a spotlight on business practices. People expect businesses to behave ethically. We become angry when we believe that they are abusing their power. And as a result, our legal system holds business owners to high expectations. In short, if you are in a position of power, you are expected to know better and do better—even if you aren’t directly involved in every single decision.
If you own your own business, you hold the responsibility of developing the guidelines for the recruitment and employment practices of your company, along with setting the workplace culture. Though you work with integrity, not everyone you employ in your practice necessarily shares the same mindset. Tensions can run high, and you need to be protected from allegations that can harm your reputation as a fair employer. Employment Practices Liability Insurance can help.
Our policy will help defend you from claims resulting from:
- Discrimination (based on sex, race, age, disability and more);
- Wrongful termination;
- Harassment;
- Employee privacy invasion;
- Failure to promote;
- And more!
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Group Health & Dental Benefits
A strong Health, Dental and Drug plan is more than just a benefit. Healthy employees are typically more satisfied and more productive in their work. A strong benefits plan is also a great tool for recruitment. Top talent likes to know that their company cares about their personal well-being.
We can help. PROLINK can offer you fully customizable Health, Dental and Drug plans for you and your employees at competitive rates.
Plan features may include (but are not limited to):
- Extended healthcare;
- Dental coverage;
- Life insurance;
- Long term disability insurance;
- Employee assistance plan;
- Health spending accounts;
- And more!

Protection for Me and My Personal Life
Your life is complicated. Selecting your insurance doesn’t have to be. Learn how we can help make your life simpler.
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Home & Auto Insurance
At PROLINK—Canada’s Insurance Connection it’s our job to worry about which coverages you need and which risks you face so that you don’t have to. With over 30 years of experience and access to over 30 insurers, we can offer you a choice of insurance solutions, price points, and other benefits. Wherever you’re coming from, and whatever you need—we’ve been there and done that. You can depend on us for the protection you require.
Contact us for your no-obligation quote today!
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Health & Dental Insurance
If you are an independent professional, you probably don’t have access to traditional employee benefits like Health, Dental, and Drug coverage. Yet, you’re still susceptible to the same health problems as anyone else.
Unfortunately, expensive treatments, prescriptions, and high-cost dental work always seem to pop up when you’re least expecting them. And when these unpredictable events occur, they also come with a serious potential to derail your budget. But it doesn’t have to be that way.
PROLINK can help. Our plans cover Health, Vision, Dental, and Drugs, and can get you access to 15 Paramedical services such as Massage, Chiropractic, Physiotherapy, and more. We will take the time to understand you, your needs, and your family, and offer you an affordable solution that fits your life, perfectly.
To learn more, contact PROLINK today.
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Life Insurance
Most people don’t like to think about Life Insurance. That’s because it’s a complex coverage that only activates as a result of an insured’s death due to natural or accidental causes. It can be painful to imagine all that would come to pass in the event of one’s death—even for a split second. We can appreciate that.
But if something were to happen to you, could your family or loved ones recover financially without feeling a serious strain on their assets? A rich Life policy can help them get back on their feet, should something occur.
So pass the pain over to us. At PROLINK, we will take the time to understand you, your needs and your family. Then, we will offer you a best-fit solution for you and those you care about that is affordable and offers the long-term protection you and they will require.
Contact PROLINK to evaluate your options today!
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Critical Illness Insurance
Medicine has allowed people to live both through and with serious illnesses at higher survival rates than in the past. However, such sicknesses often come with many direct and indirect costs. Certain drugs and treatments are not covered by typical health plans, while some of the latest healthcare innovations are only available in the US. Indirect costs can encompass anything from travel expenses to child care, and more. Unfortunately, most people don’t intuitively know to account for these things.
If you were to get seriously sick, Critical Illness coverage can provide you with a lump sum that you can leverage in whatever way best fits your needs. Once it’s been paid, there are no restrictions as to how you decide to spend it—whether that means hiring a nurse, making your home accessible, taking a vacation or even paying off a portion of your mortgage.
PROLINK can help you access the best that medicine has to offer by providing you with a customized Critical Illness policy that is cost-effective and will give you the long-term financial flexibility you will require.
Contact PROLINK to evaluate your options today!
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Travel Medical Insurance
When you plan a trip, you determine the things to pack, the sights you’ll see, and the budget for food and activities. You probably don’t consider the things that can go wrong, the process for finding help, and the unforeseen medical bills.
And that’s normal. You work hard and deserve a worry-free vacation. Sadly, life doesn’t go on holiday. A health crisis can happen no matter where in the world you may be. To truly relax, you need to feel secure in knowing that you are protected if something were to happen to you or your loved ones during your time away.
At PROLINK—Canada’s Insurance Connection we can help you access comprehensive Medical Travel coverage for your trip. Plus beyond simply covering emergency medical costs, we can also help you add lost baggage and trip cancellation endorsements to your policy.
Be prepared for whatever happens, wherever it happens.
Contact PROLINK to learn more today!
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Pet Insurance
If you’re like most pet owners, your pet is your constant companion. So when your little companion unavoidably gets sick, it can be very distressing emotionally. We can all agree that it’s hard to see your once-lively pet refuse to eat or struggle up the stairs.
While the veterinarian can offer you hope to cure whatever’s ailing your pet, that cure often comes at a high cost. Many people either have to save up for a treatment, or put themselves in debt in order to afford these unexpected fees. Still, you want your pet to receive the best care available.
Purchasing PetSecure insurance through PROLINK can help take away the financial burden of getting your pet the care that they require in times of need. For a small monthly rate, you can receive up to thousands of dollars in coverage for your pet’s accidents, illnesses, and dental care.
Contact PROLINK to learn more today!

Caring Claims
Sometimes, stuff happens. In the event that you need to make a claim and the situation is urgent or an emergency, help is a phone call away!
Monday to Friday (8AM to 5PM)
Contact PROLINK directly at 1 800 663 6828. We will take your claim, confirm your policy and report it to your insurer.
After Hours
Access our after-hours claims service, Kernaghan Insurance Adjusters at 1-800-387-5677, or call your insurer directly and they will loop us in.
Please reach out to PROLINK if you ever feel unsure. We’re here for you.