Professional Indemnity Insurance Thread poster: liz askew
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liz askew 
United Kingdom
Local time: 02:00
Member (2007)
French to English
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Dear colleagues,
I live in the UK but translate for a company based in the USA.
I have recently discovered that my professional indemnity insurance only covers work I do in the UK.
All my work is not for the USA so how do I get a professional indemnity insurance for there? So far I have been unlucky getting one from any insurance co. in the UK.
How do other UK resident translators deal with this issue?
Thank you for any help.
... See more Dear colleagues,
I live in the UK but translate for a company based in the USA.
I have recently discovered that my professional indemnity insurance only covers work I do in the UK.
All my work is not for the USA so how do I get a professional indemnity insurance for there? So far I have been unlucky getting one from any insurance co. in the UK.
How do other UK resident translators deal with this issue?
Thank you for any help.
Liz Askew ▲ Collapse
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| Can get a UK policy that covers North America | Nov 13 |
Hi Liz,
When I used to hold PII, which I always took out from a UK-based insurer, I filled in an online questionnaire on the insurer's website whenever I renewed my cover. There used to be a question in it about whether I did any work for clients based in the USA or Canada. I answered "yes" in years when I had clients in those countries, and after I submitted the renewal form, the insurer would work out a slightly higher premium based on the fact that the US and Canada are considere... See more Hi Liz,
When I used to hold PII, which I always took out from a UK-based insurer, I filled in an online questionnaire on the insurer's website whenever I renewed my cover. There used to be a question in it about whether I did any work for clients based in the USA or Canada. I answered "yes" in years when I had clients in those countries, and after I submitted the renewal form, the insurer would work out a slightly higher premium based on the fact that the US and Canada are considered to carry a higher risk from an insurance point of view due to the "sue culture" prevalent there. So your existing insurer may be able to expand your cover to include North America, I don't think you should need a separate policy. Whether your insurer will amend an existing policy mid-term, I don't know, but you could try asking.
Peter ▲ Collapse
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Jean Lachaud
United States
Local time: 21:00
English to French
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| The most frigntening word... | Nov 13 |
I would simply suggest that no US lawyer is going to sue a free-lance translator, all the more so an UNINSURED translator residing in a foreign country.
Ever.
For the simple reason that there is no money to be made.
[Edited at 2024-11-13 20:35 GMT]
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SAMON UT
Cambodia
Local time: 09:00
English to Khmer (Central)
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I’m in a similar situation, working with clients in the U.S. while based in the UK. I’ve found it can be tricky to get professional indemnity insurance that covers overseas work. One option could be looking into international insurers or brokers who specialize in covering freelancers with clients abroad. Some people also get in touch with U.S.-based insurers to see if they offer policies to non-U.S. residents working remotely.
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Hi Liz,
I have US cover (although I very rarely translate for anyone in the US any more), and my insurance is through Hiscox.
Hope it helps!
Roddy
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liz askew
United Kingdom
Local time: 02:00
Member (2007)
French to English
+ ...
TOPIC STARTER | Professional Indemnity Insurance | Nov 14 |
Thank you for all your replies.
Today I have actually received a reply from my present insurers who have now provided me with a suitable policy, after a lot of negotiation.
Best wishes,
Liz
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| It's a waste of money | Nov 23 |
I don't believe anyone has ever made a successful claim under one of these policies, though I'd love to be proved wrong.
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| Can be a requirement | Nov 23 |
philgoddard wrote:
I don't believe anyone has ever made a successful claim under one of these policies, though I'd love to be proved wrong.
Looking at it from our point of view, and bearing in mind how unlikely it is that we might have to make a claim under such a policy, I don't disagree that it's generally a waste of money. That said, I know of a translation company that won't work with linguists who don't hold PII. Whether a company that wants to offload all risk while taking a hefty slice of the fee paid for your work is the sort of company you'd want to work for is another matter.
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Lieven Malaise
Belgium
Local time: 03:00
Member (2020)
French to Dutch
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philgoddard wrote:
I don't believe anyone has ever made a successful claim under one of these policies, though I'd love to be proved wrong.
Being almost 20 years in the business I've never had this insurance and I probably never will. I've always learnt you can basically never be fined to more than what you've been paid. Apart from that I just can't imagine messing things up to the extent of being sued and condemned.
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