Business insurance for Opticians

As an optician, insurance might be something you think of when it comes to protecting your specialist equipment, but it can be vital in protecting your practice and your income too. From accidental data breaches to injuries and disgruntled employees, tailored business insurance provides a plan of action so you’re covered for all eventualities.

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Insuring your optometry business

As a professional optician or someone working in optometry, insurance means you’re able to deal with legal claims from employees and members of the public, as well as unexpected financial issues, like replacing an expensive piece of equipment. Hiscox will make sure your tailored business insurance package is built around the risks you face, so you can focus on providing the care your patients deserve.

Why opticians need business insurance

Accidents at work

Something as simple as a patient falling over a coffee table in your reception area could lead to a public liability claim being brought against you. Even if you don’t feel you’re at fault, they could claim injuries from the fall left them unable to work and hold your business responsible. If you’re ever faced with a claim like this, we’ll be there to help with the legal and compensation costs of dealing with it.

An injured employee

As an optician, you may see a high turnover of assistants in your career, which could mean that you’re working with people who know the theory better than they know your practice and premises. If someone’s injured while working for you and they decide to take legal action against you, it could cost you time and money. Employer liability cover makes sure you’re in a position to defend yourself and keep disruption to a minimum.

Cyber crime

Using computers to store information about your clients is second nature these days, but have you thought about what you’d do if you were targeted by a cyber criminal? A common tactic for getting money out of businesses is to threaten to release sensitive data unless the victim pays up, knowing that their reputation could be severely damaged. If this or any other kind of data breach happens to you, we’ll cover the cost.

Not sure what you need?

If you’re not sure what you need, tell us a little more about your optician’s business. We’ll help you to build your quote and explore any other insurance needs.

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Key types of insurance for opticians

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These are just some of the types of business insurance for opticians that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.

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