Business Insurance for Optometrists

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From detecting abnormalities to prescribing medications, optometrists face many risks that can lead to optometric malpractice claims. Optometry insurance can help you survive lawsuits, property damage, and more.

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One application, multiple quotes

Insureon helps optometrists compare insurance quotes from top U.S. carriers with one easy online application.

What types of business insurance do optometrists need?

These policies provide coverage for the most common risks of optometry.

Business owner’s policy icon

Business owner’s policy

A BOP bundles property insurance and general liability insurance under one plan. It's often one of the most cost-effective types of commercial insurance for optometrists.

  • Slip-and-fall accidents
  • Damaged patient property
  • Damaged business property
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Professional liability insurance

This policy, also called optometry malpractice insurance, covers legal expenses if a patient sues over an error, such as failure to perform a dilated fundus exam and diagnose an illness.

  • Failure to diagnose an eye disease
  • Accusations of negligence
  • Mistakes or oversights
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for optometry businesses that have employees. It can cover medical costs for work-related injuries.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
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Cyber liability insurance

This policy helps optometry clinics survive data breaches and cyberattacks. It can often be added to a business owner's policy or general liability policy for savings.

  • Customer notification expenses
  • Data breach lawsuits
  • Fraud monitoring costs
Looking for different coverage? See more policies.

Why do optometrists need insurance?

Your patients trust you with their vision. If you fail to notice an eye disease that leads to loss of sight, you could face a malpractice lawsuit. Optometrist insurance can cover the high cost of a legal defense, as well as protect your practice against equipment damage, injuries, and other risks.

How much does insurance cost for optometrists?

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Several factors will have an impact on insurance costs, including:

  • Optometry services offered, such as prescribing corrective lenses
  • Medical equipment and property
  • Revenue
  • Location
  • Number of employees
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