Find the Right Insurance for You

We are Language Protect Insurance, an innovative insurance program developed to fit the customized needs of interpreters and translators. We have worked with RID (Registry of Interpreters for the Deaf) and ALC (Association of Language Companies) to understand the specific requirements needed for individuals. Reach out to gain information and a quote for your individual insurance coverage.

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The Most Competitive Premiums

Language Protect is a full service agency providing all aspects of Commercial Insurance to Individual Interpreters and Translators throughout the country. Our entire staff of insurance professionals understands the products, coverage, and is available to assist you at anytime.

Commercial General Liability and Professional Liability

BROAD COVERAGE AND HIGH LIMITS
  • The policy provides Professional Liability also known as Errors & Omissions up to $1,000,000 per claim, with a $3,000,000 aggregate limit per insured to protect your business when a mistake is made in the professional services you have provided for your clients.
  • The policy provides General Liability up to $1,000,000 per claim, with a $3,000,000 aggregate limit per insured for third-party bodily injury or property damage.
  • Deductible: $500 per claim, including loss adjustment expense and defense costs.
  • Each policy will be issued on a 12-month basis starting from your effective date chosen.
  • Low Premium

    Starting as low as $275 per year

  • Carrier Information

     Underwriters at Lloyds

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Frequently Asked Questions

Does my homeowners coverage protect my Liability as a Freelance Interpreter?

No, most homeowners polices provide liability for premise only (the house and land) and exclude business practices. Homeowners is designed to protect your home, personal assets, and liability related to your home. You as an interpreter are in the field off premise at various locations/appointments interpreting away from your home premise. Even if you are home interpreting, we cover the Professional Liability / Errors and Omissions as well that is part of this program.

What is the difference between the old program and new program?

The new program provides most comprehensive insurance coverage to meet the today’s marketplace. Many vendors/contractors are requiring having General Liability Insurance to be able to interpreter in the field. Our program has been designed to provide this as well as Professional Liability / Errors and Omissions all under one form! Many vendors are requesting the Certificates of Insurance which our program will issue it at no cost. Language Protect is written in a Risk Purchasing Group which gives us a lot more room to customize the policy for the needs of Interpreters and Translators.

Why do I need General Liability?

General Liability insurance provides coverage for bodily injury and property damage which you may cause to other people. Common examples of covered instances include:

  • An interpreter is interpreting in a conference room and accidentally knocked over a coffee cup onto a client’s open laptop.
  • While providing interpreter services in a hospital, a piece of fragile medical equipment is accidentally knocked over and broken by the interpreter.

Our coverage can help pay for such damage, and it is becoming a frequent requirement by your clients that you have this coverage in order to be on their premises (such as a school, court, or government agency). In fact, they may ask you to cover them on your policy for any of your actions which could harm their clients or customers. (See question #6 on additional insured coverage.)

Why do I need Professional Liability or Errors & Omissions Insurance (E&O)?

Like general liability, E&O insurance provides coverage for damage that is caused to others, but it is specific to the rendering or failure to render a professional service. Examples include:

  • An Interpreter mistakenly translates a doctor’s instructions as 4 pills every 2 hours instead of 2 pills every 4 hours.
  • An interpreter does not translate the entire discussion, and the client is not made aware of the conditions of the verbal agreement.

What is Additional Insured Coverage and What is a Certificate of Insurance?

Many times an organization (school, hospital, court, etc.) will ask you – the free lance interpreter- to provide proof of insurance. The proof comes from a Certificate of Insurance, which Language Protect can issue to the organization.

Sometimes; however, the organization will ask you for this proof along with a request to cover them on your policy for any claims, loss, damage, or suit from others who you might get injured during the course of your interpreting.

This request to be covered under your policy is known as “Additional Insured” coverage. Adding the organization to your policy actually increases the exposure for the insurer, and many insurance companies charge extra to add this coverage.

Under the RID Free Lance Interpreter Insurance Program which is offered through Language Protect and which is underwritten by Philadelphia Insurance Companies, there is NO added cost for this coverage. It is provided automatically.