Translators insurance
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Rated 4.7/5
Based on 39,376 reviews
Claims paid in 24 hours
For 80% of settled claims
Insurance for translators – why is it important?
From errors on documents to a serious data leak, claims brought against translators can run into thousands of pounds. Would you have the funds ready to pick up the costs, if something went wrong? Professional indemnity insurance is a popular support, providing cover for errors or issues with your work which cost others money to fix.
- insurance for translation services, blending indemnity with other popular covers
- rated 4.7/5 based on 39K+ customer reviews
- PI insurance, translator risks covered from £50,000 to £5 million
What does translator insurance cover?
Typically, we’ll start with professional indemnity insurance, built to cover businesses like yours against mistakes, errors, and even negligence, which cause someone a financial loss. Most quotes also build in public liability insurance, for third party accidents blamed on your business. From there, you can add specific cover for your equipment and any employees, depending on your business needs.
Public liability insurance for translators
In case your translation business causes an injury or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for you.
Professional indemnity insurance for translators
In case there’s a claim for loss-causing errors or issues with your work.
Business and office equipment insurance
In case something happens to your specialist equipment.
Tools insurance
In case your tools are lost, stolen or damaged.
Legal expenses insurance
In case you face legal costs in connection with your translation business.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or elsewhere.
Public liability insurance for translators
In case your translation business causes an injury or property damage.
What’s typically covered by public liability insurance?
Claims against your business for:
- damage to someone’s property, caused by your interpreter business
- an injury or illness caused by your business activities
- accidental damage or injuries caused by your employees
For example:
- a visitor to your business premises tries to plug their laptop into the wall but gets an electric shock, causing nerve damage
- you get ink on a client’s coat while changing a cartridge
If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.
Read more about public liability insurance
Employers’ liability insurance
In case anyone gets ill or injured while working for you.
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- an injury or illness that happens as a result of working for you (including temps and casual workers)
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
- your employee slips on a wet floor in your small office premises, injuring their lower back
- you leave a laptop charging cable across the floor and your office manager trips over it, fracturing their elbow
Professional indemnity insurance for translators
In case there’s a claim for loss-causing errors or issues with your work.
What’s typically covered by professional indemnity insurance?
Claims against your translating business for professional negligence or a loss-causing breach of contract. This can include:
- advice which turns out to be incorrect
- mistakes in your work that cost others money to fix
For example:
- you send a document to your client which contains an error, setting their case back by a month and incurring further costs
- a cyber attack exposes sensitive information, causing your client a financial loss
Read more about professional indemnity insurance
Business and office equipment insurance
In case something happens to your specialist equipment.
What’s typically covered by business and office equipment insurance?
- accidental damage to the equipment you use to run the business
- theft, flood, and fire damage
For example:
- someone breaks into your office and steals multiple items, including three laptops and two sets of headphones
- a flood over the Christmas holiday damages your work laptop, headphones, and other essential equipment beyond repair
Read more about business and office equipment insurance
Tools insurance
In case your tools are lost, stolen or damaged.
What’s typically covered by tools insurance?
- loss, damage, or theft of your tools and equipment
- handheld, portable tools, including electronics
- cover for your tools in transit in any vehicle owned or leased by you, anywhere in the UK
For example:
- your tools are stolen from an overhead locker while you’re travelling to a meeting
- you stop at a motorway services to refuel and your tools are stolen from the passenger seat
Read more about tools insurance
Legal expenses insurance
In case you face legal costs in connection with your translation business.
What’s typically covered by legal expenses insurance?
- legal costs attributed to your translation business
- property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
- tax and compliance disputes and investigations you need help with
- access to expert advice – including a tax advice phone line, confidential 24/7 legal phone line, and crisis PR support to help you protect your professional reputation
For example:
- you incur legal costs when HMRC begin a tax investigation into your business
- an employee sues you for unfair dismissal and you need to hire legal representation
Read more about legal expenses insurance
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or elsewhere.
What’s typically covered by personal accident insurance?
- accidental injury or death at or outside of work, for anyone covered on the policy
- lost income, medical costs, and hospitalisation benefit
For example:
- you fall from a wall while gardening at the weekend, breaking your leg
- your employee slips on ice while commuting to the office, injuring their lower back
Read more about personal accident insurance
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does translator and interpreters insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £6.56 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
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How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 January - 31 August 2021). Most customers pay more than this but some pay less.
Example translators insurance quotes, real prices
£8.84 /month
£68.44 /month
Freelance article translator working for a range of UK websites
- 1-2 years' experience
- Sole trader
- No employees
- Based in Exeter
Public liability
£1,000,000
Employers’ liability
Not included
Professional indemnity
£50,000
£41.61 /month
£369.88 /month
Small limited company with one employee
- 5+ years' experience
- Limited company
- 1 employee
- Based in Manchester
Public liability
£5,000,000
Employers’ liability
£10,000,000
Professional indemnity
£100,000
How we work out example quotes These examples are real quotes from our online system (created 13/08/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
| Insurance cover | Lowest excess | Highest excess |
|---|---|---|
| Professional indemnity | No excess | £2500 |
| Public liability | £200 | £750 |
| Contents | £100 | £750 |
| Portable equipment | £100 | £500 |
| Employers liability | No excess | No excess |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
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How do I choose insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Can I just cover my most expensive tools?
Which type of workers do I need insurance for?
Will tools insurance cover all my equipment?
Does translator insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
Can I just cover my most expensive tools?
Make sure you cover the total cost of replacing all your tools or you’ll only get a proportion of your claim paid out if something happens to them. Learn about tool cover.
Which type of workers do I need insurance for?
Employers’ liability insurance is a legal requirement if you employ people.
If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.
Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Will tools insurance cover all my equipment?
Depending on what you use to do your work, you may need other covers.
You may need more than tools insurance – for example, business equipment insurance if you have a work laptop, plant insurance if you use machinery.
Does translator insurance cover my work correctly?
Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider interpreter insurance or copywriter insurance?
Do I need cover for other types of work?
If you provide other services, make sure you’re covered:
Other types of insurance
Which public liability cover limit should I choose?
Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm
Call our team
How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
£28 million in claims paid out in 2021
Paying 80% of settled claims within 24 hours in 2021
Example claim
Having translator insurance through Simply Business has saved professionals thousands of pounds when the unexpected happened.
August saved more than £700
August (not her real name) was in a car accident on her way to work, suffering severe whiplash and bruising. Following a CT scan and time in hospital, doctors sign her off work for two weeks. The optional personal accident cover in August’s translators’ insurance policy covered her medical costs and lost income.
Insurance payout
£744.92
Covering the cost of personal accident
August’s costs
£100
The excess amount stated in August’s policy terms
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Translators insurance FAQ
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about translator and interpreters insurance. You can also check out our business insurance FAQs.
Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a translator or interpreter, you may also do the odd language teaching job – you’ll need additional cover for this, but you can have it all on the one policy.
When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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