Professional Liability Insurance (E&O)
Available only to American Translators Association (ATA) members.
The translation and interpretation (T&I) services industry, like any other business that deals with the public, is subject to complaints from dissatisfied customers. That is why ATA sponsors a plan of professional liability insurance called Errors & Omissions (E&O) Coverage. The ATA insurance Plan is administered by Hays Affinity, a division of Hays Companies and is underwritten by Lloyd's of London.
The ATA E&O Plan coverage protects you against claims alleging errors, omissions, and/or negligent acts arising out of your professional services. This type of coverage is NOT typically covered under commercial liability or general liability policies. Standard policy limits coverage starts at about $400/yr obviously depending on several risk factors. For a quote, please contact Hays directly at https://ata.haysaffinity.com.
Incident Reports. The Tower Endorsement Section K provides protection for disciplinary actions.
Professional License Protection
Reimburses for License Protection Costs incurred by the insured in the investigation and defense of disciplinary and license review proceedings against the interpreter as a result of complaints asserted against the insured during the policy period by or before any federal, state, or local governmental, quasi-governmental, regulatory, licensing, or professional agency, body, authority, association, or organization that deals with the professional conduct of the insured in the business of Translating and/or Interpreting.
Covers violations and breaches of the privacy and security provisions of the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”), the Health Information Technology for Economic and Clinical Health Act (“HITECH”) and/or the regulations promulgated under said statutes relating to Protected Health Information (“PHI”) and electronic Protected Health Information (“ePHI”) , but only if such violations or breaches arise from a Wrongful Act committed or alleged to have been committed by the insured, or from the handling of PHI and ePHI of the insured's own personnel.
State Agency Risks Access to Healthcare and State Services
On June 25, 2012, HCA decided to force interpreters to purchase expensive liabilty insurance by July 15, risking access for limited English proficient Washingtonians to medical providers and state services. When issuing requirements for interpreters wishing to work with HCA's new scheduling vendor HCA included a requirement for interpreters to buy general AND professional liabilty insurance policies with $1 million policy limits naming WA State as a covered insured! With these kind of policy limits, it would likely cost interpreters $1000 a year.Management does not seem to understand that E&O insurance protects the interpreters' personal assets, not necessarily WA State. In fact, the State's best insurance is its own interpreter certification program which, in theory, only certifies/authorizes individuals who are highly qualified to provide language interpretation services.
- The State has paid for interpreter services for 2 decades without requiring this insurance.
- Errors & Ommissions insurance policies protect interpreters' personal assets. The State would still be liable for providing bad interpreter services.
- Interpreter-specific liability insurance policies are expensive so very few interpreters have them.
- Interpreter-specific liability policies cost more than interpreters for Languages of Limited Diffusion earn in a year!
- Court interpreters - who are paid more than medical/social service interpreters - are NOT required to have this insurance!
On July 2, after hundreds of interpreters and concerned citizens sent emails & our Union filed charges against the State for refusing to bargain, the State agreed to delay the requirement.
On July 19, 2012, the Health Care Authority announced they will NOT force independent contractor interpreters to purchase expensive general and professional liability insurance! Thanks to the hundreds of you that sent emails to state decision makers pointing out the risks in requiring interpreters to purhcase insurance that costs more than they could earn in a year.
July 19, 2012: United we won!