You already see the parts of a client's financial life that determine what they should be insured for: a new LLC, a first employee, a vehicle on the books, a fast-growing schedule of revenue. That visibility makes you one of the most natural insurance referral sources there is. This playbook shows how accountants and bookkeepers can add insurance to their advisory work — protecting clients and earning rewards — without becoming an agent.
Why are accountants well-positioned to refer insurance?
Insurance is a financial product, and you are your clients' financial advisor. During tax prep, monthly close, or a year-end planning conversation, you encounter the exact triggers an insurance agent wishes they knew about: a business that just incorporated, a contractor who took on a big job, an owner who bought a work truck, a household whose income just jumped.
Clients also trust your recommendation in a way they don't trust a cold quote. When you say "you should look at coverage for that," it lands as advice, not a sales pitch. That trust is the whole asset — and most accountants leave it on the table because referring insurance has historically meant licensing, paperwork, and liability.
What kinds of insurance can I refer clients for?
Both sides of your book, business and personal: