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Pirita flotada
Dec 16, 2013 17:56
10 yrs ago
7 viewers *
Spanish term

tiene contratada y en vigor la póliza

Spanish to English Law/Patents Law (general)
En un certificado de seguro:

La Aseguradora xxx certifica que tiene contratada y en vigor la póliza de responsabilidad civil...

No doy con la forma de expresarlo en inglés. Agradeceré cualquier ayuda.
Proposed translations (English)
5 +2 The Insurer certifies that the public liability policy has been issued and is currently in force
5 (The insurer x) certifies that it has contracted the civil liability policy which is in force.....
4 Insurer certifies that the (civil liability policy) has been issued and is in force
3 the policy has been effected and is on foot

Discussion

José Manuel Lozano (asker) Dec 18, 2013:
Thank you Mark, and everybody else who has participated.
Adrian MM. (X) Dec 18, 2013:
responsabilidad civil Any chance of posting this term as a separate question? It's a pity that this debate is going to be buried non-obviously underneath another question http://www.proz.com/kudoz/spanish_to_english/medical:_pharma...

We need to consider why 'civil liability' is, in my experience, also understood and ACCEPTED as a 'civil-law term' by underwriters at Lloyds of London vs. public, tort, prof- indemnity or occupier's etc. liability.
Mark Solomon Dec 17, 2013:
Civil vs Public liability Civil liability is primarily a term for the US market but is also used in British English as an umbrella term covering all liabilities an organisation may incur. Professional, products and public liabilities are all civil liability policies but the 3 traditionally were and still can be purchased separately although for most businesses it would be unusual. Why would I use public liability here? I live in Spain and have only ever heard the term used to refer to public liability policies and if a certificate is involved then that is usually to demonstrate the presence of insurance required by law which tends to be public liability in most circumstance. I fully admit to 'if in doubt go with the most common' and that the specific nature of the case might mean it should be translated differently... :-)
José Manuel Lozano (asker) Dec 17, 2013:
I don't think that the rest of the sentence is very important for the question, but here it is: ...tiene contratada y en vigor la póliza de Responsabilidad Civil de carácter anual prorrogable para el periodo 1.11.2013 - 1.11.2014, suscrita bajo el número xxxxxx, cuyo Tomador del Seguro es XXXXXXXX.

Could you please explain briefly the difference between public liability and civil liability?

Thanks to everybody, it's difficult to choose the best option here!
Mark Solomon Dec 16, 2013:
I would agree with you but the phrase is as redundant in the Spanish as it is in English so I translated it - although it adds nothing as you say! And yes, it would be useful to know what follows, 9 times out of 10 responsibilidad civil = public liability but there's always the exception...
philgoddard Dec 16, 2013:
You don't need to say "has been issued/entered into" or whatever, as it wouldn't be in force if it hadn't been issued. I think the exact translation depends on what comes after this, which looks like part of a sentence.

Proposed translations

+2
1 hr
Selected

The Insurer certifies that the public liability policy has been issued and is currently in force

British English - US English is different. I have the UK Insurance Institute´s degree-level qualification and 20 years in the industry
Peer comment(s):
agree AllegroTrans : yes, more clearly expressed, but no need to tout your qualifications, all of us translators have some...
45 mins
I know but as you can see below, some smart alec always thinks he knows better, which is why I don't tend to bother to comment here unless I am 100% sure and it's 100% my field, which is a shame I know! Thanks for the agree
agree wtimberl
1 day 7 hrs
Something went wrong...
4 KudoZ points awarded for this answer. Comment: "Thank you!"
6 mins

(The insurer x) certifies that it has contracted the civil liability policy which is in force.....

.

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Note added at 14 mins (2013-12-16 18:11:17 GMT)
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It all depends somewhat on how the sentence goes on. you may need to insert a comma or two or insert other words......

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Note added at 2 hrs (2013-12-16 20:45:38 GMT)
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Public liablity is a subset of civil liability. Civil liability is the best term to use.

Without looking at the policy in question it is impossible to say whether public insurance would be appropriate but in any event civil liability would be correct.



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Note added at 3 hrs (2013-12-16 21:05:31 GMT)
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eg

Towergate - Institute of Translation and Interpreting
www.iti.org.uk › Professional Development & Events‎

As the policy is a full civil liability policy it also includes Public Liability, Products ... This fast track process allows us to pay out immediately, so within five working ...


Foundation for Community Dance :: Employers Liability
www.communitydance.org.uk › Member Services › Insurance‎

Advertise with us ... lead activities for you, for example, dance teachers, then you should ensure their work is adequately insured, i.e. with a Civil Liability policy.

[PDF]
View a Summary of Cover for Individuals - Howden Insurance Brokers
www.howdengroup.com/.../summary-of-cover-individuals-v7-010...‎

This Civil Liability policy is designed to respond to the needs individual ... The policy will cover you as a resident of the UK, Channel Island or Isle of Man whilst ...

Insurance Club Guidelines - The British Mountaineering Council
https://www.thebmc.co.uk/Download.aspx?id=387‎
The cover is only available to UK residents but operates worldwide with the ... Under all of the above circumstances, the Civil Liability Policy would provide.

--------------------------------------------------
Note added at 3 hrs (2013-12-16 21:18:14 GMT)
--------------------------------------------------

Another example of a UK policy which explains the difference....

"The civil liability policy is in force to protect RLSS UK members from any claims made against them by others (relating to RLSS UK activities).
Public Liability Cover: Protection in the case of accidental bodily injury to third parties and / or damage to third party property.
Professional Indemnity Cover: Provides cover following negligent advice. If you are a trainer, this cover will protect you in the event that an injury results from your negligent act or omission in your training.
Libel & Slander Cover: Protection if it is alleged that you have defamed someone else.
Directors & Officers Cover: Protection for club committee members in respect of their personal liability for claims resulting from mismanagement."

http://www.rlss.org.uk/index.php/component/docman/doc_downlo...
Peer comment(s):
agree AllegroTrans : yes, except "public liability" is the standard EN term// yes it googles well, but the term is almost invariably used by continental lawyers et al who think the standard BR EN term means something different
1 hr
try googling "civil liability insurance"
disagree Rosa Paredes : It is not the insurer who has contracted the policy (???)
10 hrs
Something went wrong...
8 hrs
Spanish term (edited): tiene contratada y en vigor la póliza (de responsabilidad civil)

Insurer certifies that the (civil liability policy) has been issued and is in force

The usage "has been issued and is in force" is clean, concise, and standard with reference to insurance policies--indeed, its circulation is very, very wide (Google hits in the millions); of course it can also apply to licenses and other legal documents.

Estamos hilando fino acá: the two existing proposals are not vastly different from each other, nor is mine. (I do think it needs to be 'civil liability'- in the US for sure, and it's fairly widely used in the UK; in any case, we weren't told the audience for this translation.)

In my view, the 'currently' can be safely obviated: 'is' takes care of it. Not that redundancy is always a bad idea. However, 'has been issued' does not imply 'is in force', so the latter does need to be made explicit (policy could have been issued and then canceled, for instance).

www.lfg.com/lfg/DOCS/lif/SUPP-10.59.pdf‎ : "...law, under which the policy will be qualified as life insurance. ... Once your policy has been issued and is in force, the death benefit..."

https://www.sunlife.ca/advisor/v/index.jsp?vgnextoid...defau...‎ : "...in Ontario, once a life insurance policy has been issued and is in force,..."

www.roadrates.com/2011/05/average-cost-of-utah-car-insuranc...‎ : "Utah car insurance buyers paid... Once the owner receives confirmation that the new policy has been issued and is in force, ..."

www.canoe-england.org.uk/insurance/civil-liability-insuranc...‎ : "Canoe England is insured under the BCU's Civil Liability policy, arranged by Perkins Slade..."
Something went wrong...
13 hrs
Spanish term (edited): tiene contratada (suscrito) y en vigor la póliza

the policy has been effected and is on foot

de responsabilidad civil is not part of the question, so no real point arguing about it.

effected does Google and on foot doesn't but is used in Lloyds policies for those insurance workers who have good recall, but dislike the term taken out for insurance.

Alas, the Spanish is ambiguous. It does seem to be the Insurer who has written the insurance and is keeping it in force on payment of the premiums.
Reference:

http://www.nsea.co.uk/wp-content/uploads/2010/03/NSEA-Policy-Summary-2012-13.pdf

Something went wrong...
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