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.
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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.

Business owner’s policy icon

Business owner’s policy

A BOP bundles commercial property and general liability insurance 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
  • Damaged business property
General liability insurance icon

General liability insurance

This policy covers common ophthalmology risks, such as a patient falling after a dilated eye exam. Bundle with property insurance in a business owner’s policy for savings.

BEST FOR
  • Slip-and-fall accidents
  • Damaged patient property
  • Libel or slander lawsuits
Professional liability insurance icon

Professional liability insurance

This policy, also called malpractice insurance, covers the cost of lawsuits based on an error by an ophthalmologist, such as misdiagnosis of an eye disease.

BEST FOR
  • Wrong diagnosis
  • Accusations of negligence
  • Mistakes or oversights
Workers’ compensation insurance icon

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
  • Partial missed wages
  • Lawsuits over employee injuries
Cyber liability insurance icon

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
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Ophthalmologist