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.

Optician helping man try on new pair of glasses.
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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 cover the most common risks faced by opticians.

Business owner’s policy icon

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.

  • Slip-and-fall accidents
  • Damaged customer property
  • Damaged business property
General liability insurance icon

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.

  • Slip-and-fall accidents
  • Damaged customer 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 optician, such as failure to accurately translate a contact lens prescription.

  • Incorrect prescriptions
  • Accusations of negligence
  • Mistakes or oversights
Workers’ compensation insurance icon

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.

  • 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 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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