Recommended Policy Coverages

Purchasing all of the correct policies to properly cover your firm can be confusing. Our Optometrist Professional insurance package includes the most important coverages most practices need. The bottom line is we have a coverage solution for every service you may offer.

The core package includes the following lines of coverage:

The heart of every good Optometrist insurance package is the professional liability coverage (Medical Malpractice). Professional liability coverage protects you from mistakes made while working with clients. For the Optometry profession, the most common and costly errors result from errors in record keeping, misdiagnosis, lack of pupil dilation, errors in patient care upon termination of relationship. This coverage specifically fills the coverage gap in general liability policies created by the 'your work' exclusion in those policies.

The Business Owners Policy includes many broad coverages that apply to every firm. Most notably, the general liability and property coverage are offered here. The property coverage includes either owned or leased/rented offices and all business personal property. The general liability portion of the BOP protects you from liability related to bodily injury and property damage where your at fault. The general liability coverage does include an exclusion for 'your work' which necessitates the need for the professional liability policy noted above.

Cyber liability coverage is quickly becoming one of the most important pieces your practice needs in its insurance package. This coverage protects you in the event either you or your clients suffer a loss due to your computer network being compromised or private client information being leaked. This is one of the fastest growing area of concern for Optometry practices.

Workers' compensation coverage provides the state required levels of protection for you and your employees in the event they are injured on the job. For firms in Washington state, we include stop-gap coverage on the Business Owners Policy to cover the employer liability portion of the workers comp policy.

These are the management liability coverages your practice needs to provide cover for claims stemming from:

Employment Practices Liability - Protects the practice from employee harassment complaints, discrimination, wage and hour complaints

Directors & Officers - Protects the practice and corporate leaders personally for failure to act in good faith, misuse of company funds, misrepresentations of company assets, breach of fiduciary liability , non-compliance, and more.

Get a quote

 

We try to make is as easy as possible for you to get a quote from us. The only item we need is:

 

1. Completed application (new or renewal) - We can usually use the application you've already completed for your current carrier

If you haven't completed an application for your current carrier, then you can download our application here:  PriemCo - Optometrists Application.pdf