Why do opticians need insurance?
What insurance is available for opticians?
Each optician’s insurance requirements are unique. If you own your premises, then property insurance could prove important, while personal accident cover may benefit locum optometrists.
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.
Build my coverInsurance for opticians: FAQs
What insurance do I need for my optometry equipment?
To insure valuable optometry equipment, select contents insurance as part of your property cover.
This protects machinery such as phoropters, retinoscopes and retinal cameras – as well as less specialist equipment such as computers – in the event of a break-in or accidental damage. Stock is covered, too, for added reassurance if your centre sells designer eyewear.
To protect items while you’re away from the practice at events such as recruitment fairs, consider portable equipment insurance.
If I upgrade my equipment, is it automatically covered?
Equipment isn’t automatically covered if you upgrade it. To keep cover in place, let us know when changes are made so we can help you adjust policy details accordingly.
Understanding the exact nature of your optical instruments and other equipment helps to calculate how much cover you require. This might include knowing the type of optical lens groover you’re using, or the laptop model you work from.
Failing to notify of increases to equipment value could create problems in the event of a claim and might mean you’re underinsured. Find out more about underinsurance in our glossary of terms.
I’ve been in an accident and can’t work temporarily, can insurance help?
Yes – business insurance can help safeguard your income against the risk of accidental injuries. Add personal accident insurance to your policy to benefit from this type of cover, which can provide a weekly benefit payment to you or another insured member of staff.
If the injury creates a long-term problem that leaves you unable to practice, this insurance can also help with medical expenses and the cost of retraining.
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