Dave Beard

Expertly compared by Dave Beard

Products Updated June 4, 2018

Business Insurance for Opticians

As an optician your main priority is to ensure the health of the eyes of your customers and this is where they put their trust in you. If you happened to make a mistake or act negligently then you could be liable for a claim. Our experts can ensure a policy is in place so you and the business are fully protected.

Our insurance experts can compare the market to find you the best deal on business insurance. Get a free quote and advice today:

3 providers expertly compared:

Simply Business

Why?

This provider is our Expert’s Choice in its category as it won tops marks for the following.

  • TRUST
  • VALUE
  • EXPERTISE & KNOWLEDGE
  • CUSTOMER SERVICE

Learn more about how we review and assess the providers here on Lending Expert.

Provider
Business Insurance

Products
Professional Indemnity, Public & Employers Liability Cover

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
UK Small business cover

Rated 4.8/ 5

All credit types

Simply Business is a broker that provides a wide range of business insurance cover. They specialise in small businesses and can advise, compare and arrange the right insurance products to ensure you are not only protected by get the best deal on the market.

3 providers expertly compared:

Available via broker only

Zurich

Provider
Zurich Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
UK Small business cover

Rated 4.6/ 5

All credit types

The right insurance package will give you the peace of mind to successfully grow your business. Zurich have an extensive suite of insurance products tailored to a wide range of small and SME businesses to ensure you have complete protection from all risks.

3 providers expertly compared:

AXA

Provider
AXA Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
Small business and commercial insurance

Rated 4.7/ 5

All credit types

AXA business insurance can cover you and your business for every eventuality. Apply online today and save an extra 10% on your quote instantly.

Read our customer and visitor reviews for this product:

Rating: 5 / 5 with 1 votes

Recieved quotes as promised.

by Clear Eye Wear Limited

Happy with the process and quotes. Simple to use and back up with a phone call. No pressure to buy, which was reassuring.

About Business insurance for Opticians

Your clients rely on you to advise them on eye problems they may have as well as helping them to see clearly using the correct prescription lenses. Client will follow your advice and will more than likely follow any suggestions that you make but that means that you are at risk of having a claim made against you. There is every possibility that you could provide incorrect advice or act negligently and this could cause injury or financial loss for your client. If this is the case then your clients are more than likely going to want to file a claim against you so they can recover any losses or receive compensation.

Business insurance for Opticians

Business insurance for Opticians

To protect yourself against these claims, business insurance will offer the cover you need. Business insurance is created specifically for your industry and this means that it covers you for all claims that are made against you. A client can make a claim at any time and this means that it is important to have this cover in place. Claims can prove costly and it is very easy to offer incorrect advice or act negligently and this makes you extremely vulnerable. You need to protect your business and its finances because a claim can severely damage your business if you do not have cover in place.

How Does It Work?

Working closely with your clients requires you to work in a certain way but it also requires you to make the right decisions or even offer the correct advice, but this is not always the case so business insurance is crucial.

Professional indemnity insurance is created for you and your business because it helps to protect you from any claims made against you should clients experience financial loss. When a claim is submitted you need to know that you are covered in every way and this insurance will do just that. A mistake or a wrong decision can happen at any time. You may advise a customer that their eyesight does not yet require correcting but this could cause them to make a poor decision while driving which could injure them or others and affect them financially. You could even prescribe a lens that is too strong which could damage their eye, however you look at it you clients have the right to make a claim so make sure that you are covered by this insurance.

Your clients are also at risk of injury due to your workmanship or negligence and that means that you should have public liability insurance. Your client could injure themselves on a step that is not clearly identifiable or they could be injured by a poorly fitted lens. There are many possibilities when it comes to your client becoming injured but it would give them the right to make a claim against you. Therefore, public liability insurance is insurance that could make the difference to your business if a claim is made.

The Features

You will receive the following features:

  • Every cost is covered
  • In-depth assessment of all claims to ensure that payment can be released
  • Complete protection for your business
  • Defence costs and compensation are included
  • Your business needs are analysed to ensure the correct cover is in place
  • Court costs are included
  • Cover available to fit your budget

What Are the Benefits?

You will receive the following benefits:

  • Meet all regulations and legal expectations
  • Focus on your business and staff
  • Complete protection for your finances
  • Advice and guidance provided by professionals as well as representation
  • Complete confidence in your decisions as well as re-assurance

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