Professional Indemnity
Thread poster: Q-Trans (X)

Q-Trans (X)
Local time: 20:03
French to English
May 18, 2002

Hi all,

I am now in the latter stages of setting up my own translation agency here in France. I am in the process of sorting out my professional indemnity insurance and was wondering if anyone knows of any worthwhile companies to contact either based in France or the UK.

My company is registered in the UK, but trading from France, so where would be the best place to opt for in your opinions, the UK or France?

Many thanks in advance for any advice.

Best Regards,



Nikki Scott-Despaigne  Identity Verified
Local time: 20:03
French to English
Complicated Jun 4, 2002

When you say you are registered in the UK but trading from France, could you explain what this means in detail. I can understand that neither French nor UK insurers would be able to fit you into recognised categories.

Could you provide more detail?



Evert DELOOF-SYS  Identity Verified
Local time: 20:03
English to Dutch
+ ... Jun 4, 2002


I would advise to simply pay a visit to the above mentioned url and explain your problem there.

They ought to be able to help you out at once icon_smile.gif

Here\'s an excerpt from

on this interesting subject - (posted a couple of months ago in this same forum):

Professional Indemnity Insurance Explained

Professional Indemnity Insurance provides essential financial protection for a wide range of professional advisers. In the event that a client suffers financial loss as a result of alleged neglect, error or omission Professional Indemnity Insurance will meet the cost of defending claims and any damages payable.

Any person who gives advice, designs, or offers similar services in a professional capacity is seen by clients as an expert. In these times of high consumer awareness, clients will not hesitate to pursue a claim if they feel that they have received sub-standard service. The need for Professional Indemnity Insurance has never been greater.

While some professional people see Professional Indemnity Insurance as an expensive and unnecessary overhead, we know from experience that any professional can produce substantial claims. Court awards have risen sharply in receipt years. Without insurance, the financial security of a business is threatened. The following examples highlight the importance of Professional Indemnity Insurance:

A business wished to be known by a particular trade name. After consulting with company registration agents, it was told that there was no objection to its chosen name. Proceedings were issued by a company with a similar name and £20,000 was paid in connection by the agents.

Detailers prepared structural drawings for the erection of steelwork. It was subsequently alleged that the drawings contained errors and £110,000 was claimed for the costs of alteration and the resulting delays in construction..

An auctioneer sold property at auction over a number of years. It was alleged that the property was stolen and a claim for £250,000 was brought for conversion..

It was alleged that consulting engineers were negligent in their design of waste heating boilers. A claim for £4m was brought for the cost of extra work and the resulting delays..

An estate agent missed the opportunity to carry out a rent review because of a defective rent review notice. The claim was settled for £50,000. .



Only the professional can assess the amount of cover appropriate to the business. In determining how much cover to effect, it is important that a realistic view is taken of the potential damages and legal costs for which the business could become liable. Being under-insured can be almost as financially disastrous as being without insurance at all - as the examples below reveal.

We recommend that no insurance policy is taken out with a limit of less than £250,000. We will, however, provide a quotation for lower levels of indemnity if asked to do so. We are also able to provide cover up to a limit of £10,000,000 in most cases. Any professionals in doubt about the amount of cover they should take out should consult their legal advisers.

The following examples highlight the dangers of being under-insured.

Case 1 - It was alleged that surveyors were negligent in their valuation of a property on behalf of a lender.

Loss: £1.5m

Insurance: £1m

Case 2 - A consulting engineer designed a roof which proved to be defective..

Loss: £350,000

Insurance: £100,000

Case 3 - A design consultant provided designs for tools to be used in manufacturing process. It was alleged that the designers were inaccurate..

Loss: £150,000

Insurance: £100,000

Or just consider entering your query at or or for literally thousands of hits, including companies offering this insurance.

Good luck!

Evert Deloof-Sys



Q-Trans (X)
Local time: 20:03
French to English
My situation Jun 5, 2002

When I say I\'m registered in England and trading from France, I mean that my company Quintessential Translations is registered with Companies House in Cardiff, but my business activity takes place from my office here in Fréjus.

The UK insurers say they can\'t insure me because my business is ruled under French law as I am trading from here and that certain conditions under French law make it impossible for insurers in the UK to take me on.

Kind Regards,



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