Translator & Interpreters Insurance: Cost and Quotes From $25/mo

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As you work as a translator or interpreter, there are specific issues you may face. These issues could be errors arising from your translation due to a tight deadline or exposing the client’s sensitive data to malicious people. As a result, your clients may sue you. The lawsuits and complaints may cost your business a hefty amount of money. It would help if you got insurance for translator to save your business financially from such costs.

What is Translator and Interpreters Insurance?

Translator insurance may cover any costs that might harm your business, such as fires, theft, cyberattacks, and accidents. Here are some of the coverages you can get for your translator and interpreters business;

  • General liability insurance

  • Professional liability insurance

  • Tools and equipment insurance

  • Commercial property insurance

  • Business owner’s policy

  • Travel insurance

  • Commercial auto insurance

General Liability Insurance for Translators and Interpreters

CoverWallet  NEXT (Best) Thimble  Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $2,000,000 $2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $1,000,000 $1,000,000 Included
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $1,000,000 $1,000,000 Included
Tenant’s legal liability coverage limit  $100,000 $100,000 $5,000 $300,000 Included
Waiver of subrogation included? Yes No Included Can be included Excluded
Hired/non-owned auto liability coverage included? Yes No Excluded Can be included Excluded


As you provide your translating services, you interact with the clients. During these interactions, some accidents may happen. For example, the client may slip and fall in your office, or you may accidentally damage his property, such as his laptop. A client may sue you successfully for the above issues. General liability insurance covers such costs. This insurance offers coverage in issues relating to customer property damage, customers’ injuries, personal injuries, and copyright infringement. 


Can I Have Some Add-Ons on My General Liability Insurance?

Some insurance companies offer their clients add-ons to general liability insurance for interpreters and translators. Add-ons are coverages offering extra protection that is not provided by the basic coverage. One which you can get as a translator can be data breach coverage which can cover you from costs relating to the theft of customer information. You can go also avail HNOA coverage. 


What Are Some of the Advertising Injuries That General Liability Insurance Can Cover?

As you advertise your business, you may copy a slogan or provide wrong information about your competitor. The affected persons may sue for compensation; general liability for interpreters and translators covers such costs. If you are launching an advertising campaign, this cover can be valuable. 


What is Public Liability Insurance for Interpreters?

Public liability insurance works the same way as general liability coverage minus the add-ons. This is sold instead of general liability in the UK. On the other hand, only a few insurance companies sell this in the USA. 


Professional Liability Insurance for Translators and Interpreters

CoverWallet  NEXT  Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No
License defense coverage included No No No No No
Deductible  $500 $500 $500 $50/$10,000 $500


There are some errors and omissions that you may do. For example, you may fail to deliver on time, or you may make errors in your work, and as a result, your client may sue. Professional indemnity for interpreters covers costs arising from such errors and omissions. This policy covers professional negligence, work mistakes, and undelivered services. 

Professional indemnity for translators has a $1 million-$2 million coverage limit. It’s possible to get higher amounts of coverage. But note that this will drastically increase monthly or yearly premiums. 


Can I Have Some Add-Ons on My Professional Liability Insurance?

Some of the extensions to the basic interpreter liability insurance coverage that you can get from your insurer include;

  • Vicarious liability-covers your business from professional liability arising from the works of your sub-contractors. 

  • Witness expenses- Covers cost for compensating witnesses that aid in your defense when a client sues you.

  • Legal defense costs

Can Professional Liability Insurance Have an Additional Insured?

Professional indemnity insurance for interpreters can allow you to add an insured to your policy. This means you can extend your insurance coverage to another person or company. Therefore, if a client sues the other person or company, they can file a claim with your insurer. Note that some insurance companies allow you to name additional insureds on your professional indemnity insurance for translators without cost while others aren’t as generous. 

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Tools and Equipment Insurance for Translators and Interpreters

Your tools are prone to theft, loss, or damage. You may suffer monetary losses and miss specific deadlines when your tools are damaged, lost, or stolen. However, you can prevent this by getting tools and equipment insurance. Some of the covered costs relating to this insurance include;

  • Replacement–Your insurer can reimburse for the tools you need to replace by reimbursing with the fair market value of the lost item

  • Lost income–The policy can cover costs for the income you did not earn when an item was unavailable or lost

  • Repair–When the tools are damaged, the policy can cater to the repair costs until they are usable

Can I Have Some Add-Ons on My Tools and Equipment Insurance?

Typically, this policy doesn’t have add-ons. It is because, usually, this type of insurance is an add-on to general liability insurance and commercial property insurance.


Do I Need the Tools and Equipment Insurance When I Have Commercial Property Insurance?

Commercial property insurance only covers the tools in your inventory or tools in a covered location. Therefore, commercial property insurance doesn’t cover against risks involved in transporting such goods. The tools and equipment insurance is helpful to cover the risks involved when moving your tools and equipment from one place to another.


A translator is using a fountain pen to write on a piece of paper. A translator is using a fountain pen to write on a piece of paper.


Commercial Property Insurance for Translators and Interpreters

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $350,000 $25,000/$500,000 $25,000 $50,000
Contents coverage limit (minimum) $50,000 $18,000 $25,000/$500,000 $25,000 $50,000
Outdoor signs Excluded $2,500 Excluded Excluded Included
Accounts receivable  Excluded Excluded $5,000/$10,000 Included Included
Money and securities Excluded $2,500 $1,000 Included Included
Lock and keys  Excluded $2,500 Excluded Excluded Included
Business interruption floater Excluded Included Included Included Excluded
Equipment breakdown floater Excluded Included Excluded Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included Excluded


As a translator, you have your office, which has business-related contents, such as your tools and office equipment. These things can be vandalized, stolen, or destroyed by fire or water. It would help if you got commercial property insurance to prevent monetary losses from injuring your business. The policy can cover the repairs and replacements of your office items in the event of loss or damage by the aforementioned perils.


What is Business Interruption Insurance?

Business interruption insurance is also a part of commercial property insurance. Business interruption insurance covers lost income if you can’t operate your business due to property damage covered under commercial property insurance. 


How Do Insurance Companies Value Your Commercial Property?

There are three ways in which insurers value commercial property:

  • Actual cash value–They calculate how much it would cost to replace an item without considering how much it depreciates

  • Replacement cost value–They calculate how much it would cost to get an item similar to the one you need to be covered

  • Fair market value–They look at the item’s cost by considering its depreciation

Business Owner’s Policy for Translators and Interpreters

CoverWallet Thimble  NEXT  Hiscox (Best)  The Hartford  
General liability aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $2,000,000
Commercial property coverage limit  $50,000 $25,000/$500,000 $350,000 $25,000 $50,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes


A business owner’s policy (BOP) is a policy that combines general liability and commercial property insurance. It takes care of most of the common risks your translator business may face. It is essential to note that a BOP is cheaper than getting the two coverages separately. The BOP will safeguard against; customer injury, advertising injury, customers’ property damage, and damage to your business property.

Can I Have Some Add-Ons on My Business Owner’s Policy?

You may customize your BOP by adding cyber-liability insurance. The insurance may help protect sensitive data. Also, some insurance companies can allow you to bundle a BOP with professional liability insurance, saving you more. 


Who Qualifies for a Business Owner’s Policy?

Please note that only some businesses qualify for a BOP. A BOP only covers small, low-risk businesses. Some of the criteria that should be met include the following; 

  • The business should have fewer than 100 employees

  • The business should have a tiny workplace

  • It should also be a business operating in a low-risk industry

Travel Insurance for Translators and Interpreters

As a translator, you may need to travel constantly. Therefore, you need travel insurance which can cover costs such as;

  • Loss of property

  • Detention

  • Emergency medical expenses

  • Personal liability

Also, consider getting this insurance for your employees, especially when traveling. Travel insurance will help protect your business from incurring additional unexpected costs associated with travel.


Can I Have Some Add-Ons on My Travel Insurance?

You can add some add-ons to your travel insurance providing coverage not covered in the basic plan. They include;

  • Rental vehicle excess cover

  • Ticket cancellation benefit

  • Pet sitting benefit

Commercial Auto Insurance for Translators and Interpreters

Auto accidents are common. Even though you hire the best drivers, they still contend with other incompetent drivers. An auto accident can cost you tens of thousands of dollars, and commercial auto insurance is necessary for your business. Commercial auto insurance can cover litigation costs, medical bills, property damage, and other expenses from an auto accident. 


Can I Have Some Add-Ons on My Commercial Auto Insurance?

There are some add-ons to the commercial auto insurance cover that may increase the level of protection afforded to you;

  • Roadside assistance can cover repairing your company’s vehicle when it breaks down

  • Rental reimbursement can cover renting a vehicle when yours is being repaired

Which Vehicles Are Covered Under Commercial Auto Insurance?

The vehicles covered under commercial auto insurance cover are those that your business owns. Commercial auto insurance coverage doesn’t cover personal cars. 

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Translators and Interpreters Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $35 $420 $0-$500
Malpractice insurance $40 $480 $500-$1,000
Commercial property insurance $50 $600 $1,000-$2,000
Business owner’s policy $85 $1,020 $1,500
Commercial auto insurance $70 $840 $500-$1,000
Travel insurance $56 $672 $500-$1,000


The cost insurance for interpreters and translators is $35 per month or $420 per year for a $1 million general liability coverage. Specific factors may affect your actual rates. These factors include; the business location, risks, and the number of employees. In connection, here’s  table that cost of translators insurance from the best companies:

Cost per Month Cost per Year Best for
NEXT $18 $216 Best overall; Fastest general liability insurance for translators and interpreters
CoverWallet $22 $264 Comparing translator and interpreters insurance quotes online
The Hartford $25 $300 Catering for customers 50 years and older and offering better policies through their partnership with AARP
Tivly $27 $324 Delivering instant quotes from different insurers to find the right policy and the best price
Thimble $30 $360 Companies that are looking to temporarily purchase and verify their translator and freelance interpreter insurance cover online
Hiscox $33 $396 Providing liability insurance for professionals such as beauticians, fitness gurus, travel agents, translators, and interpreters

Compare Cheap Translator & Interpreters Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Companies for Translator and Interpreters Insurance

It may be challenging to get an excellent company to get your translator insurance. Here is a review of some of the best insurance companies where you can get your insurance for interpreters. Read some of the reviews below to know their pros, cons, and price for a $1 million general liability insurance. 

NEXT Translator and Interpreters Insurance

Pros

  • It allows you to sign up online in minutes

  • Has generous discounts (up to 10%) for bundled policies

  • Allows digital access to your certificate of insurance online, which you can share with others for free

Cons

  • Doesn’t have specialized business insurance types such as critical person insurance

NEXT is a relatively new company because it was founded in 2016. However, it is independent and provides its policies digitally. It can also customize its packages to different sectors, including the translation and interpretation sector. 

Best for: Best overall; Fastest general liability insurance for translators and interpreters

Average cost: $18 per month 

Our rating: 10/10


CoverWallet Translator and Interpreters Insurance

Pros

  • It has an easy-to-use platform

  • They give free quotes

  • Organizes and saves your policy information

Cons

  • Not an insurance company but an insurance broker 

CoverWallet was founded in 2015. They partner with different insurance agencies; when you fill out an application, they take it to different partnering agencies. They also operate online and allow you to view statements of the different coverage and rates their partners offer.

Best for: Comparing translator and interpreters insurance quotes online 

Average cost: $22 per month 

Our rating: 10/10


The Hartford Translator and Interpreters Insurance

Pros

  • Offers a lot of types of insurance products

  • Has superior financial strength than many other insurance companies

  • Has free benefits such as new car replacement in auto insurance policies

Cons

  • It has many customer complaints, especially about auto policies

The Hartford is in partnership with AARP. The partnership allows it to provide additional perks and savings to the AARP members. Hartford offers business insurance and also group benefits.

Best for: Catering for customers 50 years and older and offering better policies through their partnership with AARP

Average cost: $25 per month 

Our rating: 10/10


Tivly Translator and Interpreters Insurance

Pros

  • Good for freelance interpreter insurance

  • Processes easy quotes, which are digital

  • It has a wide variety of coverages

  • Their policies are customizable and affordable

Cons

  • It is not an insurance provider

Tivly can match your business with the best company to suit your needs. It is free and eliminates the hassle of obtaining quotes from different companies but instead gives you endless quotes to gauge the best one. Call a representative now to compare quotes over the phone. 

Best for: Delivering instant quotes from different insurers to find the right policy and the best price.

Average cost: $27 per month

Our rating: 8/10


Thimble Translator and Interpreters Insurance

Pros

  • You can purchase your policy online

  • It deals with multiple insurance covers

  • Provides monthly coverage to its policyholders

Cons

  • Its customer care services are only found online

Thimble is an online insurance company that sells both short and long-term insurance policies to small and large-sized companies or businesses that are looking for speedy coverage. This reliable insurance agency doesn’t underwrite its policies, instead, its partnered companies do so. Some of the coverages provided by this quick-thinking insurance agent are general liability, professional liability, commercial property insurance, workers’ comp insurance, and errors and omissions insurance.

Best for: Companies that are looking to temporarily purchase and verify their translator and freelance interpreter insurance cover online

Average cost: $30 per month

Our rating: 9/10

Hiscox Translator and Interpreters Insurance

Pros

  • Allows you to access purchase policies and quotes online

  • It has a discount of about 5% if you buy two or more products.

  • Its professional liability cover can cover work done anywhere in the world

Cons

  • You can’t buy products from Hiscox directly

Hiscox is a long-standing company allowing you to buy Hiscox policies from insurance agents and Geico. It is a trusted brand among small businesses.

Best for: Providing liability insurance for professionals such as beauticians, fitness gurus, travel agents, translators, and interpreters

Average cost: $33 per month 

Our rating: 9/10

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