Whether you are an entirely mobile-based optometrist or have an optometry practice but offer home visits, you may own and transport equipment to and from optometry practice(s) you work at. As such, you want to be sure that if your equipment is stolen or damaged you have the financial resources to replace the equipment. If you sell products, you might transport these along with your equipment on a regular basis. In this case, you will need insurance for transporting expensive equipment and products. We provide an Optometry Practice Insurance policy that can cover equipment, including whilst in-transit, which offers financial protection for apparatus that is crucial to your professional life.

 

If you are a self-employed optometrist, you will be aware that you are responsible for bearing the cost of anything that might go wrong. When you have the right insurance in place you can focus on your job without the worry of how to meet costs should a non-clinical accident take place and a compensation claim be brought against you. Similarly, if your equipment is stolen or damaged you probably have a time period where you might be unable to practice while you source replacement equipment. We offer policies that can cover the cost of replacing or repairing equipment and even provide cover for loss of earnings in the form of Business Interruption Insurance.

 

Call: 01823 250760

 

 

 

Types of equipment we cover

We can provide insurance for a wide range of optometry equipment, including:

  • Portable slit lamps
  • Retinoscopes
  • Autorefractor
  • Stock
  • Trial lens sets & trial frames
  • Lensmeter
  • Portable Visual Acuity Charts
  • Laptop/Tablets
  • Equipment cases

 

Available cover

The following insurances can be included in your Self-Employed Insurance policies to enhance the standard protection, dependant on your specific needs:

  • Employers’ Liability Insurance – a legal requirement if you employ people to work for you.
  • Business Equipment Insurance – insurance for business equipment which includes loss and damage whilst at the premises, or within Europe and Worldwide for up to 30 days.
  • Stock Insurance – provides financial protection for any stock you may have.
  • Business Interruption Insurance – should you need to stop trading or working due to an insured event, Business Interruption Insurance can help reimburse the lost income or alternatively cover increased costs relating to the continuation of operating your business.
  • Personal Accident Insurance – can provide compensation should you or your employee become seriously injured or die through accidental bodily injury.

 

 Automatically included as standard

  • Legal Expenses Insurance – can cover legal fees that arise from legal disputes.
  • Product Liability Insurance – covers costs associated with you or a member of the public falling ill or becoming injured because of a product they buy from you.
  • Public Liability Insurance – covers costs that may arise from a non-treatment-related injury to a member of the public that you have allegedly caused.
  • Money & Assault Insurance – covers loss or theft of money from your business premises, home, or in-transit, and bodily injury to you or your employees because of assault whilst carrying money belonging to the business.