When you are providing professional advice and services, you need to be insured.

Working as an optician, it is usually mandatory to have Professional Indemnity Insurance, however there are a number of other insurance covers that should be taken into consideration, especially if you are running your own small business.

Your opticians may benefit from other types of cover including: 

Public Liability Insurance

This type of insurance is essential for most types of businesses. If a customer or member of the public is injured or has their property damaged in your practise then they may decide to make a claim against you for compensation. Public Liability Insurance would cover the compensation as well as any legal costs so your business doesn’t have to fork out.

Employers Liability

It’s likely that you will have others working in your practise. Even the most cautious employers can find themselves paying out compensation to an employee who has been injured, or become ill as a result of their work. Employers liability insurance will ensure you are covered if such claims arise.

Business Interruption

Business interruption insurance will cover you should your practise experience an interruption/loss of trade as a result of a natural disaster or physical damage to your premises. If your practise is prone to flooding this should be a key part of your business continuity plan.

Equipment Breakdown

Opticians are so dependent on equipment and expensive bits of technology that when damage occurs, the loss of revenue can be high. A wide range of equipment can be covered with us, and you will be covered for repairs, replacements or loss of earnings caused by equipment breakdown.

Office Insurance

Should the office in your practise be affected by circumstances outside your control such as theft, fire or water damage then office insurance will give you will have peace of mind that your practise computers, office equipment, furniture and documents will all be protected.

Commercial Legal Protection

Commercial legal protection will cover you should someone want to take action against the practise. Small businesses in particular, can suffer under high legal costs when disputes arise.

Here at Infocus Opticians Insurance, we have developed specialist knowledge of the Eyecare Industry over the decades, so we know what equipment and property you are likely to possess and what insurances you need and don’t need.

Start an online quote with us today or get in touch for more information.

Written by: admin