Your vision for your optician’s business has always been the same: provide excellent, professional treatment delivered in a reassuring, personable manner. And, while you take pride in taking the upmost care of your customers’ visual health, accidents can happen, and you may face expenses that could damage your business.
Optician’s insurance can be an essential part of running your business, designed to keep it protected in the event of an unexpected claim.
Optometrist professional indemnity insurance
Optician’s professional indemnity insurance could prove crucial to help protect your business as you provide your services to your customers. A form of medical malpractice insurance, professional indemnity insurance for opticians can provide you with financial aid if you’re accused of causing injury or illness to a customer. As well as covering any medical costs involved in the claim, optometrist professional indemnity insurance can provide financial assistance against the cost of defending against – and settling – any legal cases.
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Public liability insurance for opticians
As a business that regularly deals with the public, public liability insurance can be invaluable cover to protect your business. This type of optometry liability insurance is designed to provide the financial assistance you might need to defend against – and settle – claims from members of the public that your business or the work you do has damaged their property or caused them illness.
Optician’s liability insurance for public claims could cover incidents such as:
- If you accidentally cause damage to property: For example, a member of the public places their bag on your floor and you accidentally spill chemicals on it.
- If you accidentally cause an injury, or if there is an injury at your business premises: For example, a member of the public trips on your equipment.
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Employers’ liability insurance for opticians
Whether you have receptionists, technicians or fellow optometrists working at your business, employing one or more members of staff mean you’re legally required to purchase employers’ liability insurance. This type of optometry insurance can provide compensation to employees who claim to have become ill or injured while working for you, as well as provide financial assistance with paying any legal or medical bills.
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Do I need both public liability + employers’ liability insurance?
There are two types of optometrist liability insurance: one geared towards your employees and one towards members of the public. Any business that employs one or more members of staff is legally required to purchase employers’ liability insurance. As a business that regularly deals with members of the public, getting public liability insurance can be helpful to fully protect your business – although it’s not legally required.
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Cyber and data insurance
For most modern opticians, a computer can be essential to run the business smoothly. From storing customer prescriptions to stock taking and record keeping, using computer systems makes your job easier and more seamless. Unfortunately, it can also leave you vulnerable to attacks by hackers, as well as possible data breaches. Cyber and data insurance can help cover any legal and recovery costs you may face if an incident occurs.
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As a business that relies on specialist equipment and tools, you may wish to purchase our office contents policy to fully protect your business. This type of optometry insurance protects home or office-based small businesses against any costs you might incur if your business equipment becomes damaged, lost or stolen.
You can also add a range of specialist covers to your policy, such as: -
- Tool cover: covers equipment used in order to carry out your work, such as lensometers and retinal imaging equipment.
- Portable equipment: covers equipment taken outside of your main work premises, such as mobiles, ophthalmoscopes and laptops.
- Business interruption: covers any financial losses you may experience because you are unable to trade due to an unexpected interruption to your business.
- Equipment breakdown: covers any costs involved in repairing or replacing office equipment after they’ve become damaged by a sudden electrical or mechanical breakdown.
More about Hiscox Office Insurance
Tailor your business insurance quote
- Award-winning claims service
- Immediate coverage and documentation
- No admin fees if you amend your policy
Need more help? Speak to our UK-based experts. Call us on 0800 2800 351
Mon - Fri, 8am - 7pm, Sat, 9am to 2pm, excluding bank holidays. Calls are free from a landline and some mobile contracts
What is your profession?
Find out more about the range of insurance covers we offer to specific industries and professions in the list below: