What level of access should you have as a VA?
Why the access you’re given affects your risk.
Virtual AssistantInsurance
Virtual Assistant Insurance
Professional indemnity and cyber cover built for virtual assistants, covering the trusted access to accounts and systems the work involves.
Professional indemnity and cyber cover built for virtual assistants, covering the trusted access to accounts and systems the work involves.
Admin errorsClient system accessYour home setup
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What is virtual assistant insurance?
Virtual assistant insurance is a combination of covers built around providing remote admin and business support, professional indemnity for a mistake that causes a client a financial loss, and cyber cover for the accounts and data clients give you access to.
Many VAs are given login access to client email, calendars, social media or even financial platforms, that level of trust brings its own risk if something goes wrong.
Virtual assistant insurance can include:
Professional indemnityEmployers’ liabilityPublic liabilityBusiness contentsBusiness equipment coverBusiness interruption
Cover often bought alongside virtual assistant insurance
Professional Indemnity
Covers claims that a mistake in your work caused a client a financial loss.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Cyber Insurance
Covers costs following a breach involving client accounts or data.
Business Contents
Protects your home office and equipment.
Business Equipment
Covers laptops and other equipment you rely on to work.
What level of access do you hold?
What level of access do you hold?
The more access clients give you, the more your cover needs to reflect.
The more access clients give you, the more your cover needs to reflect.
| Type of access | What it typically involves | Why it matters |
|---|---|---|
Email and calendar management | Reading and sending on a client’s behalf | A mistake here can damage client relationships |
Social media accounts | Posting content and managing messages | Reputational risk if something goes wrong publicly |
Bookkeeping or invoicing platforms | Access to financial records or transactions | Higher stakes if an error affects client finances |
Full admin access to client systems | Broad access across multiple platforms | Cyber cover becomes more important the wider your access |
Top Tip
Tell your insurer exactly what systems and accounts you’re given access to, the broader your access, the more it matters that your cyber cover genuinely reflects it.
How much does virtual assistant insurance cost?
There’s no fixed price. It depends on the level of access you’re given, staff numbers and claims history.
Level of client access
Broader access to accounts and systems can affect your cyber premium.
Annual turnover
Higher turnover generally means a higher premium.
Number of staff
More employees increase your employers’ liability exposure.
Level of cover
Higher professional indemnity limits increase your premium.
Services offered
Financial or bookkeeping-adjacent tasks can carry different risk to general admin.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get virtual assistant insurance
How to get virtual assistant insurance
Getting virtual assistant insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting virtual assistant insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your work
The services you offer, and the access clients give you.
2
Choose your covers
Professional indemnity, cyber and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Virtual assistant insurance guides
Virtual assistant insurance guides
Practical advice on cover, client access and staying protected.
Practical advice on cover, client access and staying protected.
Virtual assistant insurance FAQs
Virtual assistant insurance FAQs
Straight answers on cover, client access and cost.
Straight answers on cover, client access and cost.
Virtual assistant insurance is a combination of covers built around providing remote admin and business support: professional indemnity for a mistake that causes a client a financial loss, and cyber cover for the accounts and data clients give you access to.
Still have questions?
Our advisers are here to help you find the right solution.
Related professions we cover
Related professions we cover
Virtual assistants share client-access and data risks with these professions. Each has its own cover needs.
Virtual assistants share client-access and data risks with these professions. Each has its own cover needs.
Bookkeeper Insurance
Financial admin where VAs often hold accounting system access.
Translator Insurance
Remote client work handling confidential material.
Consultant Insurance
Advisory and support work delivered under contract.