The member-exclusive, ATA-endorsed Professional Liability Insurance Program protects you against claims-related errors, omissions, and/or negligence arising from your professional services. This comprehensive solution commonly known as Errors and Omissions Liability Insurance (E&O) covers defense costs and settlements and provides a valuable layer of additional coverage.

Coverage includes:

Broad Definition of Translation/Interpreting Services

• Covers nearly all activities relevant to a translator or interpreter such as editing, publishing, proofreading, printing, and computer software localization. Also covers transcription and editing of documents that has been translated by another translator.

Coverage for Contingent Bodily Injury and/or Property Damage

• Covers errors in rendering translation/interpreting services that result in bodily injury and/or property damage. These types of claims are typically excluded by generic professional liability policies.

Coverage for Fines and Penalties Associated with HIPAA/HITECH Violations 

• Cover fines and penalties as specified in the HIPAA/HITECH Act assessed against third parties who make a claim against you for indemnification or contribution for such fines or penalties.

About The Insurance Policy:

Available Policy Limits:

• $250,000 per claim / $250,000 annual aggregate
• $500,000 per claim / $500,000 annual aggregate
• $1,000,000 per claim / $1,000,000 annual aggregate

(Limits up to $5M, including Excess Limits up to $5M are available on a per case basis)

Deductible:

• $250 per claim for applicants with annual revenues of $50,000
• $500 per claim for applicants with annual revenues of $200,000

Higher deductible options are available for qualified clients upon request and pending underwriter's approval.

Policy Type:

Claims Made

Policy Coverage:

• Professional Liability (E&O)
• Coverage for Contingent Bodily Injury and Property damages resulting from your professional services

HIPAA/HITECH Fines and Penalties Coverage Sub-Limit:

• $50,000 standard sub-limit to all policies.

Other Policy Benefits:

• Broad definition of professional services including the ability to expand the definition per your specific services that are offered
• Worldwide coverage (subject to policy terms and conditions) - as long as the suit is brought in the United States, its territories and possessions or Canada

We are pleased to inform you that the Lloyds underwriters have made available a general liability policy for the ATA program. 

Many times, a client might require that you have General Liability to cover:

• Property damage
• Products completed operations
• Personal and advertising injury
• Damages to premises rented to you
• Medical expense

Limits Offered:

• $1,000,000 / $1,000,000
• $1,000,000 / $2,000,000

If you are interested in obtaining a quote for this coverage, please complete the application below and return to our attention at your earliest convenience.

Prerequisite:

• You must have an ATA Errors & Omissions policy to bind the General Liability policy.

General Liability Application 

Directions:

• Download and Save the PDF Applications Above
• Complete the Application Entirely
• Submit the Application to [email protected]

Cyber liability, also known as network security and privacy liability, is an inherent risk for every organization. With the frequency and intensity of cyber threats increasing, it is crucial to have a specialized professional focused on evaluating and securing proper coverage for your business.

In simple terms, cyber liability insurance protects organizations and individuals from claims made against them for defense costs and damages resulting from a breach of their networks or the unauthorized disclosure of private information. The policy also includes a "first-party" element, covering the costs incurred by the insured entity upon discovering a breach. Most insurance carriers provide a data breach coach or claims team to assist with coordinating the necessary elements to appropriately respond to a breach and comply with regulatory requirements.

Given that organizations hold or are responsible for the collection and storage of sensitive employee and customer data, this exposure is ever-present. It is crucial to take proactive steps to mitigate the risks associated with cyber threats, including investing in appropriate cybersecurity measures and obtaining adequate insurance coverage.

Cyber Liability Policy Coverage:

• Data Breach and First Party Costs: Covers defined expenses commonly associated with a data breach. This includes costs associated with data breach counsel, computer forensics analysis, privacy regulations compliance, notification and credit monitoring services for affected individuals, and public relations or crisis management services to restore a company’s reputation.
• Network Security and Privacy Liability: Covers liability of the organization arising out of the failure of network security, including unauthorized access or unauthorized use of corporate systems, a denial of service attack, or transmission of malicious code. Internet media liability Covers infringement of copyright or trademark, invasion of privacy, libel, slander, plagiarism, or negligence arising out of the content on the organization’s website.
• Cyber/Network Extortion: Covers monies and associated expenses arising out of a criminal extortion threat to release sensitive information or gain unauthorized access to a network.
• Business Interruption: Covers lost income or extra expenses in the event that the network is inaccessible for an extended period of time.
• Digital Asset Restoration Costs: Coverage covers costs incurred to replace, restore, or recollect data and/or network resources lost or destroyed resulting from unauthorized access to the system.
• Regulatory Coverage: Provides coverage for regulatory proceedings brought by a government agency alleging the violation of any state, federal, or foreign identity theft or privacy protection legislation.
• Cyber Terrorism Coverage: Covering financial damages an insured is legally liable for arising from an act that is certified by the Secretary of the Treasury to be an act of terrorism pursuant to the federal Terrorism Risk Insurance Act.
• Payment Card Industry Standards Compliance Coverage: Covers damages as well as payment card loss, which the insured is legally obligated to pay resulting from non-compliance with the payment card industry data security standard.
• Social Engineering Fraud: Social engineering fraud, or “fraudulent inducement,” is an emerging risk gaining widespread attention in the marketplace. This exposure is often addressed under a crime of fidelity policy, however, has potential overlap and implications to cyber risk. This coverage provides for indemnification of the loss of monies and securities caused by a fraudulent inducement to transfer funds to a third party purporting to be a customer or vendor.

Stand-Alone Cyber Liability Insurance:

Alliant is pleased to offer a stand-alone cyber liability policy. We have this option for contracts that require higher limits and broader coverage beyond what we can offer inside the program.

To apply for the Alliant Stand-Alone Cyber Insurance Policy, please follow the instructions below.

Beazley Cyber Application

Alliant Ransomware Questionnaire Application

Alliant Supplemental Underwriting Questions Due To SolarWinds

Directions:

1. Download and Save the PDF Applications Above
2. Complete the Application Entirely
3. Submit the Application to [email protected] 

Translators and Interpreters businesses have unique needs in risk mitigation and claims management. The following whitepapers were authored by a legal expert with more than 20 years of experience defending professional liability claims. The reports provide some useful insights to help you minimize losses and respond to a claim.

Each party should be willing to be responsible for losses and claims to the extent that they are caused by that party’s negligence. We offer the following as a contractual provision that addresses this issue:

To the fullest extent permitted by law, Client and Consultant each agree to indemnify the other party and the other party’s officers, directors, partners, employees, and representatives, from and against losses, damages, and judgments arising from claims by third parties, including reasonable attorneys’ fees and expenses recoverable under applicable law, but only to the extent they are found to be caused by a negligent act, error, or omission of the indemnifying party or any of the indemnifying party’s officers, directors, members, partners, agents, employees, or sub consultants in the performance of services under this agreement.

If claims, losses, damages, and judgments are found to be caused by the joint or concurrent negligence of Client and Consultant, they shall be borne by each party in proportion to its negligence.