Insurance for Optician Practices

As an optician, your practice is dedicated to enhancing and preserving the vision of your patients, but the challenges of running a successful optometry business go far beyond providing quality eye care. From safeguarding expensive diagnostic equipment to managing potential legal claims, the risks associated with running an optician practice are unique and varied. That’s why comprehensive business insurance is essential for protecting your practice and ensuring its longevity.

Why do Opticians choose Acer Insurance?

What sets Acer Insurance apart is that we don’t believe in one-size-fits-all policies. Instead, we work closely with you to develop a plan that provides robust protection without unnecessary cover or expense. Our dedicated team is here to support you every step of the way, from crafting your plan to supporting you with your claims process efficiently.

Whether it’s liability cover for professional services, protection for your high-value optical equipment, or ensuring business continuity in the face of unexpected events, we are here to keep your practice secure.

What insurance would I need?

There are several protection options to consider to cover you against a wide range of potential issues, from professional liability and property damage to business interruption and employee-related claims. There are a few protection options we will need to consider:

• Professional liability insurance: Protects your practice from claims of negligence or errors in vision testing, prescriptions, or fitting eye wear, ensuring your professional reputation remains intact.
• Public liability insurance: Covers incidents such as patient injuries or property damage that may occur in your office, protecting your practice from potential lawsuits.
• Employers’ liability insurance: Provides cover for medical expenses and lost wages for employees who are injured while working in your optician practice, ensuring you comply with legal requirements and support your team’s well-being.
• Commercial legal expenses: Protects your business from employee claims, such as wrongful termination, discrimination, or workplace harassment, helping you avoid costly legal disputes.
• Property insurance: Safeguards your office, including optical instruments, displays, and inventory, against risks like fire, theft, or natural disasters, ensuring your business can quickly recover.
• Business interruption insurance: Provides financial support for lost income and ongoing expenses if your practice is temporarily closed due to a covered event, helping you maintain stability during disruptions.

Other protection options you may wish to consider:

• Cyber liability insurance: With the increasing use of digital systems for patient records and optical sales, this cover protects against data breaches and cyber-attacks, safeguarding sensitive information.
• Commercial car or van insurance: Insures vehicles used for business purposes, such as deliveries or patient transport, protecting against accidents and related liabilities.
• Equipment breakdown insurance: Offers cover for the repair or replacement of critical optical equipment, minimising downtime and ensuring you can continue to provide uninterrupted patient care.
• Terrorism cover: Offering valuable protection from acts of terrorism.

Contact us for a quote today

We are dedicated to providing optician practices with more than just financial protection – we offer peace of mind. Let us handle your insurance needs so you can focus on what you do best: improving your patients’ vision and quality of life.

Simply call 01959 528435 for an immediate quotation or leave your details below and one of our experienced team members will call you back.