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Why do laser eye surgery centers need business insurance?
If a patient suffers from loss of night vision, halos, or another side effect, they could sue your laser eye center. Business insurance helps your facility withstand costly lawsuits, accidents, and data breaches. Some policies, such as workers' compensation, may be required by law.
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What types of business insurance do laser eye centers need?
These insurance policies cover the most common risks of laser eye centers.
General liability insurance
General liability insurance covers common third-party risks, such as accidental damage to a patient's eyeglasses or a slip-and-fall injury at an eye surgery company.
BEST FOR
- Accidental patient injuries
- Patient property damage
- Libel and slander lawsuits
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for LASIK eye centers to buy general liability coverage and commercial property insurance together.
BEST FOR
- Slip-and-fall accidents
- Damaged patient property
- Stolen or damaged business property
Workers’ compensation insurance
Most states require workers' comp for eye surgery clinics that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from employee injuries
Professional liability insurance
This policy covers legal expenses if a patient sues a laser eye center over the result of LASIK or another treatment. It's sometimes referred to as medical malpractice insurance.
BEST FOR
- Failure to correct vision with surgery
- Side effects, such as halos or double vision
- Complications, such as eye infections
Commercial auto insurance
Commercial auto insurance is usually required for business-owned vehicles. It covers accidents and lawsuits involving a laser eye center's vehicles.
BEST FOR
- Physical damage and collision coverage
- Injuries caused to another person
- Repairs due to vandalism or weather
Cyber insurance
This policy is also called data breach insurance. It helps eye centers survive cyberattacks and data breaches by paying for recovery expenses and other associated costs.
BEST FOR
- Client notification expenses
- Fraud monitoring costs
- Public relations
Looking for different coverage? See more policies.
How much does business insurance cost for healthcare facilities?
A small eye surgery center with a few employees can expect to pay less for insurance than a larger business.
Factors that affect premiums include:
- Services offered, such as LASIK, PRK, and LASEK
- Medical equipment and property
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get laser eye surgery insurance?
It's easy to get business insurance for eye surgeons and laser eye surgery centers if you have your company information on hand. Our application will ask for basic facts about your practice, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your laser eye center, whether you work independently or hire employees.
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