The policy is written against your described activity, and cover depends on that description being accurate. When a claim arrives, the rule is: admit nothing yourself.
✓ Verified: 01/08/2026
WHAT TO DO
Buying is simple, but cover rests on the accuracy of your activity description. And when the first claim arrives, conduct decides: notify the insurer, secure the documents, admit nothing yourself.
A policy matched to your specific activity can be found through Check24↗ and Tarifcheck↗; with GetSafe↗ both purchase and changes to the activity description run through the app.
I expanded my services and worked in the new area for six months without reporting it. At renewal it turned out none of it had been covered.
On the first claim, write to your insurer and reply neutrally to the client. Saying you will look into it costs nothing; admitting fault costs your cover.
Because cover hangs on it. If you are insured as a translator and cause loss through consultancy, the insurer may decline. If your services have expanded, report it — that takes one message.
Inform the insurer as early as possible, admit no liability and pay nothing yourself. An admission can cost you cover: assessing whether the claim is justified is the insurer’s job, and one they do in their own interest too.
It depends on the terms: a claims-made basis is usual. So when changing insurer or ceasing activity, ask about extended reporting cover.
No. Insurance covers future risk, and circumstances known at inception are expressly excluded. A policy taken out after the conversation with an unhappy client will not cover that case.