Why do opticians need insurance?
Like other healthcare professionals, opticians are vulnerable to medical malpractice suits. Independent optician practices also need to be prepared for lawsuits and losses from everyday accidents. Find peace of mind and safeguard your eyewear business with optician insurance.
Find affordable coverage
Opticians can save money by comparing quotes from top-rated insurance providers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.
What types of business insurance do opticians need?
These insurance policies cover the most common risks faced by opticians.
General liability insurance
This policy covers basic third-party risks, such as a customer who trips and suffers an injury during a routine eye exam. Combine it with property insurance for savings in a business owner’s policy.
- Slip-and-fall accidents
- Damaged customer property
- Libel and other advertising injuries
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for an eye care center.
- Slip-and-fall accidents
- Damaged customer property
- Business property damage and theft
Workers’ compensation insurance
Most states require workers' comp for optician practices that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Professional liability / medical malpractice
This insurance covers the cost of lawsuits related to errors and oversights, such as a dispensing optician sued for a contact lens conversion mistake. It’s sometimes called malpractice insurance.
- Incorrect prescriptions
- Accusations of negligence
- Mistakes or oversights
Commercial auto insurance
Most states require commercial auto insurance for vehicles owned by an optician's clinic. It helps cover the cost of an accident involving your business vehicle.
- Damage caused by your vehicle
- Medical bills from an auto accident
- Vehicle theft and vandalism
Cyber insurance
This policy helps opticians recover from data breaches and cyberattacks. It can often be added to a business owner's policy or general liability policy for savings.
- Customer notification expenses
- Data breach lawsuits
- Fraud monitoring costs
How much does business insurance cost for healthcare professionals?
A large vision care center will pay more for insurance than a small business.
Factors that affect premiums include:
- Healthcare services offered
- Property and merchandise, such as eyeglasses
- Business income
- Business location
- Types of insurance purchased
- Policy limits and deductibles
How do I get optician insurance?
It's easy to get optician business insurance if you have your company information on hand. Our application will ask for basic facts about your business, 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 vision center, whether you work independently or hire employees.
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