Like all businesses that rely on equipment to operate, as opticians you need to ensure that the your equipment is protected by a specialist opticians insurance policy that helps you get back on track should the worst happen. At the heart of a good insurance policy should be the funds to fully re-establish your business and get you operating again.

What items should an Optician insure?

There are a number of key things to think about when you are considering what to have covered by your policy. These include;

• Building – How much would it cost to re-build your shop if it were destroyed?
• Stock Value – How much would it costs to replace your stock?
• Equipment  / Assets – How much would it cost to replace your testing equipment?
• Off-Site Equipment – If you conduct work, as a locum is your equipment covered?
• You – Are you covered if you can’t work for a sustained period of time?
• Shop Fittings – How much would it cost to re-fit your shop?
• Theft – Does your security have to comply to standards so that you are insured?

What types of insurance policy will cover me for these things?

• For the equipment you use off-site; an ‘all risk’ type of insurance policy
• For yourself; accident insurance, health insurance and life insurance
• For your property and items inside; a full buildings and property policy with a fully documented inventory to accompany
• For off-site and on-site personnel; public and employers liability insurance

Why use an insurance broker to insure your Opticians practice?

When you use a specialist insurer like Infocus for your optician’s equipment, you can be assured that we listen to your requirements and make sure you’re covered for the things that matter. After all, the most expensive insurance policy is the one that doesn’t pay out!

For specialist advice, call or email us to find out more.

Written by: admin