Business Insurance for Ophthalmologists

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Ophthalmologist

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Why do ophthalmology clinics need business insurance?

Just as you’d advise your patients to carry medical insurance, your eye care center needs to ensure that it’s shielded from liability. Business insurance helps mitigate legal costs and losses from injuries, theft, and accidents. Commercial leases and state laws may require coverage.

Ophthalmologist examining a patient's eye.

Find the right coverage

Insureon helps ophthalmologists find insurance that matches your unique risks.

Get free expert advice and peace of mind knowing you have the right property and liability coverage for your eye health business.

What types of insurance do ophthalmologists need?

These insurance policies cover the most common risks of ophthalmology.

General liability insurance

This policy covers basic third-party risks, such as a patient who slips and suffers an injury during a routine 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 eye doctors.

BEST FOR

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

Workers’ compensation insurance

Most states require workers' comp for eye surgery and vision care 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 / medical malpractice

Professional liability insurance covers the cost of lawsuits related to your work, such as a failure to diagnose glaucoma. It's sometimes called malpractice insurance.

BEST FOR

Cataract surgery that causes vision problems
Oversight of a medical problem
Mismanagement of an eye disease

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.

How much does business insurance cost for healthcare professionals?

Healthcare professional below a thought bubble with a dollar sign.

A small ophthalmology clinic will pay less for insurance than a larger business.

Factors that affect premiums include:

Services offered, such as annual eye exams or treatment of eye conditions
Property and merchandise, such as contact lenses and eyeglasses
Business income
Types of insurance purchased
Policy limits and deductibles

View Costs

How do I get ophthalmologist insurance?

It's easy to get ophthalmologist insurance or LASIK eye specialist insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

Complete a free online application
Compare insurance quotes and choose policies
Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your ophthalmology practice, whether you work independently or hire employees.

What our customers are saying

"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."

Richard C.

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"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."

Michael D.

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"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."

Esther L.

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