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.
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
Public liability insurance
Someone can bring a public liability claim against you if they’ve been injured or their property has been damaged as a result of you or your business. It doesn’t have to be related to your work – something as simple as an injury sustained in your waiting room could see you facing a claim for compensation. If it happens, your Hiscox public liability insurance will cover the legal and compensation costs of settling or defending a claim.
Cyber and data insurance
Cyber and data risk insurance protects you if there’s a threat to sensitive data about your business or your clients. It means you’re covered if you fall victim to a cyber attack, as well as instances where someone makes an easy but expensive mistake and accidentally shares private information with people who shouldn't have access to it. We’ll help with the costs and upheaval of a data breach and you'll be able to talk to our specialist team about staying safe in future.
Employers' liability insurance
Your whole business is about taking great care in everything you do and it’s the same for employees too. But accidents can still happen, whether you’ve taken on a new member of staff and they’re still learning the ropes, or an experienced employee has an accident that has nothing to do with treatments. Either way, an injury can mean lost earnings and if it happens on your watch, you could face a claim. Employers' liability cover makes sure you're protected.
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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