Business Insurance for Opticians

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A customer lawsuit, workplace injury, or other incident can be too much for a small optical business to handle. Optician insurance covers the most common risk exposures facing eyewear businesses.

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One application, multiple quotes

Insureon helps opticians compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of business insurance do opticians need?

These policies provide coverage for the most common risks faced by opticians.

Business owner’s policy

A business owner’s policy bundles commercial property and general liability insurance in one plan. A BOP is often the most cost-effective type of commercial insurance for opticians.

BEST FOR

Slip-and-fall accidents
Damaged customer property
Damaged business property

General liability insurance

This policy covers common optician risks, such as customer injury and damage to customer property. Combine it with property insurance for savings in a business owner’s policy.

BEST FOR

Slip-and-fall accidents
Damaged customer property
Libel or slander lawsuits

Professional liability insurance

This policy, also called malpractice insurance, covers the cost of lawsuits based on an error by an optician, such as failure to accurately translate a contact lens prescription.

BEST FOR

Incorrect prescriptions
Accusations of negligence
Mistakes or oversights

Workers’ compensation insurance

This policy is required in almost every state for optician practices that have employees. It can help cover medical expenses for work-related injuries and illnesses.

BEST FOR

Employee medical expenses
Partial missed wages
Lawsuits over employee injuries

Looking for different coverage? See more policies.

Why do opticians need insurance?

Like other healthcare professionals, opticians are vulnerable to medical malpractice suits. Independent optician practices also need to prepare for liabilities stemming from accidents that cause property damage or employee injuries. Don't leave your practice open to risk. Safeguard your eyewear business with optician insurance.

How much does business insurance cost for healthcare professionals?

Healthcare professional with a thought bubble with a dollar sign above her head.

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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