Business Insurance for Opticians

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Optician

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Why do opticians need insurance?

Like other healthcare professionals, opticians are vulnerable to medical malpractice suits. Independent optician practices also need to be prepared for lawsuits and losses from everyday accidents. Find peace of mind and safeguard your eyewear business with optician insurance.

Optician helping man try on new pair of glasses.

Find affordable coverage

Opticians can save money by comparing quotes from top-rated insurance providers.

Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.

What types of business insurance do opticians need?

These insurance policies cover the most common risks faced by opticians.

General liability insurance

This policy covers basic third-party risks, such as a customer who trips and suffers an injury during a routine eye exam. Combine it with property insurance for savings in a business owner’s policy.

BEST FOR

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

Business owner’s policy

A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for an eye care center.

BEST FOR

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

Workers’ compensation insurance

Most states require workers' comp for optician practices 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 insurance covers the cost of lawsuits related to errors and oversights, such as a dispensing optician sued for a contact lens conversion mistake. It’s sometimes called malpractice insurance.

BEST FOR

Incorrect prescriptions
Accusations of negligence
Mistakes or oversights

Commercial auto insurance

Most states require commercial auto insurance for vehicles owned by an optician's clinic. 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 opticians recover from data breaches and cyberattacks. It can often be added to a business owner's policy or general liability policy for savings.

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 large vision care center will pay more for insurance than a small business.

Factors that affect premiums include:

Healthcare services offered
Property and merchandise, such as eyeglasses
Business income
Types of insurance purchased
Policy limits and deductibles

View Costs

How do I get optician insurance?

It's easy to get optician business 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 vision center, whether you work independently or hire employees.

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