Business Insurance for Laser Eye Centers

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Laser Eye Surgery Center
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A patient could suffer a slip-and-fall injury at your clinic, or a surgical complication like loss of night vision. The right insurance protection is critical to shield your facility from costly accidents and lawsuits.

Surgeon using laser to perform eye surgery.
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Insureon helps vision centers compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of business insurance do laser eye centers need?

These policies cover the most common risks of laser eye centers.

General liability insurance icon

General liability insurance

General liability insurance covers common third-party risks, such as accidental damage to a patient's eyeglasses or a slip-and-fall injury at an eye surgery company.

  • Accidental patient injuries
  • Patient property damage
  • Libel and slander lawsuits
Business owner’s policy icon

Business owner’s policy

A business owner's policy, or BOP, is a cost-effective way for LASIK eye centers to buy general liability insurance and commercial property insurance together.

  • Slip-and-fall accidents
  • Damaged patient property
  • Damaged business property
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Workers’ compensation insurance

Most states require workers' comp for eye surgery clinics that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
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Professional liability insurance

Also known as malpractice insurance for eye surgeons and other healthcare professionals, this policy covers legal expenses if a patient files a lawsuit over LASIK results.

  • Failure to correct vision with surgery
  • Side effects, such as halos or double vision
  • Complications, such as eye infections
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance is usually required for business-owned vehicles. It covers accidents and lawsuits involving a laser eye center's vehicles.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Repairs due to vandalism or weather
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Cyber liability insurance

This policy is also called data breach insurance. It helps eye centers survive cyberattacks and data breaches by paying for recovery expenses and other associated costs.

  • Client notification expenses
  • Fraud monitoring costs
  • Public relations
Looking for different coverage? See more policies.

Why do laser eye surgery centers need business insurance?

From LASIK to PRK and LASEK, you provide your patients with the gift of clear vision. However, a lawsuit over a negative side effect could put your business at risk. Laser eye center insurance helps your facility withstand costly lawsuits, accidents, and data breaches. It's often required to comply with state laws and the terms of a lease.

How much does business insurance cost for healthcare facilities?

Healthcare professional below a thought bubble with a dollar sign.

Several factors will have an impact on insurance costs, including:

  • Services offered, such as LASIK, PRK, and LASEK
  • Medical equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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