Insurance for optometry practices.

Optometric malpractice, general liability, and property for exam equipment and frame inventory, for independent practices and for offices leased inside a retail store.

What optometrists usually carry

Optometric professional liability
General liability
Exam equipment and optical inventory
Equipment breakdown
Business income
Cyber liability
Workers’ comp

Watch for these in an optometry policy

Missed diagnosesFailing to catch glaucoma, a detached retina, or a tumor drives the largest optometry claims. Carry limits sized to that risk.
Contact lens complicationsInfections from lenses you fitted can surface long after the exam. Keep your retroactive date when you move to a new claims-made policy.
Frame inventoryA smash-and-grab can empty a frame board. Set your property limit at the full value of your inventory, and check the theft deductible.
Imaging equipmentAn OCT or retinal camera ruined by a power surge is usually not a property claim. Equipment breakdown pays the repair and the income lost while it is down.
Procedures beyond examsScope for laser and minor surgical procedures varies by state, and many policies need them disclosed first.

What landlords and host retailers ask optometrists for

Additional insuredHost retailers and landlords, on your general liability, often on a primary basis.
Higher limitsA retail host may require more than $1M per occurrence, which an umbrella can meet.
Malpractice proofVision plans ask for your declarations page when they credential you.

Questions optometrists ask

Straight answers.

The questions we hear most, answered plainly.

I practice inside a retail store. Whose insurance covers my patients?

Yours. The store’s policy covers the store. Your malpractice and general liability cover your exams, your staff, and the space you lease.

Does my malpractice policy cover my technicians and opticians?

Most optometric policies cover employees working under your direction. An optician who runs an independent dispensary in your space needs their own policy.

Are eyeglasses I sell covered if a lens shatters?

Products liability, part of most general liability policies, answers for injuries caused by frames and lenses you sell.

How fast can I get a certificate?

Once your policy is bound, you request certificates from your client login, with the wording your contract asks for.

Can I pay monthly?

Yes. Most policies can be paid in full or monthly.

Health and wellness

Don’t see yours? See every industry, or tell us what you do and we’ll quote it.

Counselors and therapists

Professional liability, Licensing board defense, Entity coverage for group practices

Acupuncturists

Professional liability, General liability, Products liability for herbs

Veterinarians

Veterinary professional liability, Animal bailee coverage, General liability

Gyms and fitness centers

General liability, Professional liability for trainers, Gym equipment and property

Yoga studios

General liability, Professional liability for instructors, Studio contents and build-out

Personal trainers

Professional liability, General liability, Products liability

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