Insurance Programs

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Need a quote? Contact information for each program is listed below. With any additional questions, please contact Drew Miller at (800) 342-3197; (850) 224-2727 Ext. 270; or

Health Insurance

Image: CPA Insurance Marketplace

The next great benefit for FICPA members!

The Individual Health Insurance Open Enrollment period for 2020 coverage runs from November 1, 2019 to December 15, 2019. During this period, insurance carriers offering coverage on the federal exchange must guarantee acceptance on Affordable Care Act (ACA)-compliant health plans without limitations on pre-existing conditions. Once the Open Enrollment period is over, you will only be able to apply for health insurance coverage if you experience a qualifying life event.

The CPA Insurance Marketplace offers you competitive options to shop, compare, and save on Medical, Dental, Vision, Life, Disability and Accidental Death & Dismemberment Insurance plans from leading providers. If you, or your staff, can't decide which coverage will best fit your needs, feel free to take advantage of our interactive decision support tools or live chat feature. If a more personalized approach is preferred, schedule an appointment with a licensed Benefits Counselor.

The CPA Insurance Marketplace is an exclusive opportunity available to members, their dependents and their employees.

Image: Member Benefits, Inc.

Visit, or call (800) 282-8626.

FICPA's Association Group Term Life Insurance Plan


ING The Group Coverage is available to you through the FICPA and ReliaStar Life Insurance Company, a member of the Voya® family of companies. As a member, term life coverage is available in the amount you select, from $200,000 to $1,000,000, in increments of $5,000. The plan includes a benefit to have a portion of your benefit paid out during your lifetime if deemed terminally ill as defined in the certificate. The plan also has the option to elect Accidental Death and Dismemberment coverage for you, your spouse and employees. Other benefits include the following:

  • Members, spouses and employees of members can apply for amounts of $200,000 to $500,000 in $5,000 increments.
  • This coverage provides $10,000 of life insurance coverage for your dependent children. One premium covers all eligible unmarried dependent children, ages 6 months to 21 years, or to age 25 if a full-time student. Children ages 14 days to 6 months are eligible for $500 or $1,000.
  • Available to active members under age 65 and employees of members who are actively at work
  • Continuous Coverage to age 75-Benefit reduces to 50% at age 65, to the lesser of 25% or $25,000 at age 70 and terminates at age 75.
  • Accelerated Life Benefits included.
  • Optional Accidental Death and Dismemberment Coverage
  • Individual Policy Conversion Option
  • Ownership Transfer available
Apply online at the CPA Insurance Marketplace or call and licensed Benefit Counselor at 800-282-8626.
For Summary Purposes only-For a complete listing of policy benefits and provisions, please refer to your Certificate of Insurance.

Professional Liability Insurance

CNA Insurance Company

The FICPA is pleased to offer its members the AICPA Professional Liability Insurance Program. The Program, endorsed by the FICPA, is underwritten by CNA, an industry leader in professional liability insurance with over 35 years experience, and brought to you by Aon Insurance Services, Plan Administrator since 1974.

The Program offers three plans to meet the needs of CPA firms of all sizes.

  • The CPA Value Plan is designed specifically for small firms, with annual revenue of up to $400,000 and three or fewer professionals. Click here for more information about the plan or click here to apply for your free, no–obligation quote.
  • The Premier Plan is designed for mid–sized CPA firms and the unique services their clients demand. Click here for more information about the plan or click here to request a free premium estimate.
  • The Regional Firm Plan is designed for CPA firms billing in excess of $10 million, excluding the Big Four. Click here for more information about the plan.

Also, introducing CPA NetProtect®.   The AICPA Professional Liability Insurance Program includes cyber liability that covers litigation resulting from the theft of clients’ confidential information.  When you add the CPA NetProtect endorsement to your policy you receive two important coverage extensions.  Privacy Event Expense Coverage helps address the fallout from a data breach and Network Damage Claim Coverage provides protection for third parties.  Click Here to learn more!”

For more information about any of the plans, please contact Aon at (800) 221–3023. You may also speak with any of our local agents in the area:

Rogers Gunter Vaughn Insurance in Tallahassee, FL at (800) 893–7242.
Global Insurance Services, Inc. in Boca Raton, FL at (561) 487–6001.

Employment Practices Liability Insurance


The FICPA also offers members the AICPA–endorsed CPA EmployerGard, an employment practices liability insurance program which insures firms against risks such as, age, race or gender discrimination, sexual harassment, and wrongful dismissal. The Program, endorsed by the FICPA, nationally administered by Aon Insurance Services and underwritten by CNA, provides limits ranging from $100,000 to $5 million to qualified firms for their defense, settlements and judgments should they be sued for an employment practices–related dispute.

The Program also provides a host of risk control services to help firms understand and comply with employment law including, a legal hotline that provides access to an employment liability attorney when policyholders need advice. Additionally, policyholders receive newsletters, website publications and other information to help them understand the risks and reduce exposure.

Click here to request a free premium estimate.

For more information about the Program, please contact Aon at (800) 221–3023. You may also speak with any of our local agents in the area:
Rogers Gunter Vaughn Insurance in Tallahassee, FL at (800) 893–7242.
Global Insurance Services, Inc. in Boca Raton, FL at (561) 487–6001.

Long Term Care Insurance


The Florida Institute of CPAs has endorsed a discounted Long Term Care Insurance Program.  This discounted program is now being made available to all CPAs and their families. 

Considering the high cost for Long Term Care, this program is designed to help protect you, your family and your retirement security. Protection is available should you need care at home, in an assisted living or nursing home facilities.

To request information on this program click here or call 1-888-305-4582.

This program offers special discounts not available to the general public for:

  • you
  • your family members including
    • spouses
    • parents
    • grandparents

Auto Insurance from Liberty Mutual


Liberty Mutual InsuranceA Message from Liberty Mutual Insurance- Liberty Mutual has partnered with the FICPA to offer members exclusive savings on quality auto insurance.* Call 855-948-6267 or visit Liberty Mutual to learn more or get a free quote.  

*Discounts and savings are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Umbrella (PLP) Coverage from Liberty Mutual


While your homeowners or auto policy provides some liability protection, an Umbrella policy protects your assets from large verdicts or settlements due to unexpected and unusual occurrences.  For more information on this additional liability coverage available to FICPA members, please call your local sales office at 800.835.0894 or visit

Group discounts, other discounts, and credits are available where state laws and regulations allow. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Coverage provided and underwritten by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA.)

Long Term Disability Insurance


The FICPA provides a Long Term Disability Insurance program through Member Benefits, Inc.  Members can request information on a Member Group Disability insurance plan that provides monthly income in the event you become totally disabled as the result of a covered accident or illness (including pregnancy). Coverage underwritten by Guardian Life Insurance Company of America, a disability insurance industry leader with an AM Best rating of A++ (Superior) as of March 2012.

Guardian Insurance

Features that work for you

  • Up to $10,000 of monthly disability coverage*
  • Own Occupation Definition of Disability
  • Special group rates CPA/Accountants.
  • Fast Underwriting- most applications approved or declined within 2-3 weeks
  • No medical exam typically required to apply**
  • No Annual Policy Fee
  • Your Choice of Maximum Payment Period and Elimination Period
  • Optional COLA and Critical Disability Benefits
  • Residual Disability Benefit
  • Waiver of Premium and Waiver of Elimination Period Benefits

For more information Get an Instant Online Quote or call Member Benefits, Inc. at 1-800-282-8626.

* Income and underwriting limits still apply.

** No medical exam is typically required to apply, however, Guardian reserves the right to request a completed exam and/or doctor’s records to determine insurability.

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 Insurance Department. 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. Products not available in all states and is only valid for distribution in the United States.(This website is for illustration purposes only. For complete policy terms, consult your policy G-00458022) Copyright© 2010-2014, Business Planning Concepts, Inc dba Member Benefits. All rights reserved.