Business Insurance for Ophthalmologists

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Ophthalmologist

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Save money by comparing business insurance quotes for ophthalmologists

From patient injuries to damaged instruments, ophthalmologists need a robust risk management plan in place. Ophthalmologist insurance can protect your private practice from costly accidents and lawsuits.

Ophthalmologist examining a patient's eye.

One application, multiple quotes

Ophthalmologists can compare insurance quotes from top U.S. carriers online with Insureon. Fill out one application to receive multiple quotes.

What types of insurance do ophthalmologists need?

These policies cover the most common risks of ophthalmology.

General liability insurance

This policy covers basic third-party risks, such as a patient falling after a dilated eye exam. Bundle it with property insurance in a business owner’s policy for savings.

BEST FOR

Slip-and-fall accidents
Damaged patient property
Libel and other advertising injuries

Business owner’s policy

A BOP bundles commercial property insurance and general liability coverage under one plan. It's often one of the most cost-effective types of commercial insurance for ophthalmologists.

BEST FOR

Slip-and-fall accidents
Damaged patient property
Business property damage and theft

Workers’ compensation insurance

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

BEST FOR

Employee medical expenses
Disability benefits
Lawsuits over employee injuries

Professional liability insurance

This policy, also called malpractice insurance, covers the cost of lawsuits based on an ophthalmologist's error or oversight.

BEST FOR

Error in a medical record
Accusations of negligence
Mistakes or oversights

Commercial auto insurance

Most states require commercial auto insurance for vehicles owned by an ophthalmology business. It helps cover the cost of an accident involving your business vehicle.

BEST FOR

Damage caused by your vehicle
Medical bills from an auto accident
Vehicle theft and vandalism

Cyber liability insurance

This policy helps ophthalmology clinics survive data breaches and cyberattacks. It can often be added to a business owner's policy or general liability policy at a discount.

BEST FOR

Customer notification expenses
Data breach lawsuits
Fraud monitoring costs

Looking for different coverage? See more policies.

Why do ophthalmologists need insurance?

Just as you’d advise your patients to obtain health insurance, your ophthalmology practice needs to ensure that it’s shielded from liability. Ophthalmology insurance can help mitigate risks and pay for lawsuits and losses related to work injuries, property damage, and more. Some policies, such as workers' compensation for your employees, may be required by state law.

How much does business insurance cost for healthcare professionals?

Healthcare professional below a thought bubble with a dollar sign.

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

Healthcare services offered
Medical equipment and property
Revenue
Location
Number of employees

View Costs

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