Optician Insurance

Optician Liability Insurance

Opticians are vulnerable to medical malpractice lawsuits. Protect yourself with a comprehensive professional liability insurance policy that’s customized to meet your needs.

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Trusted by over 300,000 Canadian small business owners!
Save up to 35% on your insurance
Get the best insurance quote in a few clicks!
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Optician

Insurance for opticians

As eye care professionals, opticians provide their patients with prescription and non-prescription eyewear that fits them comfortably. From adjusting a patient’s existing frames to replacing them with new glasses or contact lenses, opticians perform a vital service.

Opticians are regulated by the respective colleges in their provinces and may be required to carry medical malpractice insurance. Insurance for opticians is mandatory across Canada. Not only is it a requirement, but it’s also wise to protect your career and finances with an insurance policy that’s tailored to safeguard opticians.

Optician liability insurance is a form of medical malpractice insurance. This type of policy is designed to provide you with coverage if a patient alleges you caused them physical harm or financial loss due to negligence, misconduct, or errors, or if you are sued for third-party bodily injury.

Optician insurance covers the most common set of risks in this profession, including claims alleging third-party injuries resulting from your services. A typical policy for opticians may include the following coverages:

  • Medical Malpractice Insurance: Also called errors and omissions (E&O) insurance or professional liability insurance, malpractice coverage protects you from allegations or lawsuits resulting from your professional activities, including misconduct, negligence, mistakes, or failing to deliver a service as promised.
  • Commercial General Liability (CGL) Insurance: CGL provides protection for third-party bodily injury or property damage claims or lawsuits because of your clinic’s daily activities. For example, if a patient visiting your optometry trips, falls, and is hurt, CGL is designed to cover their medical expenses, your legal defence fees if you’re sued, and a court-ordered settlement against you.
  • Commercial Property Insurance: Commercial property insurance, also called business contents insurance, provides financial support for your office or facility, its contents, furnishings, electronics, and inventory if damaged or destroyed by fire, flood, severe weather, vandalism, or theft.
  • Legal Expense Insurance: If you need an attorney, it will get expensive quickly. Legal expense insurance offsets that expense by providing funds to hire and retain a lawyer, get access to legal advice with an experienced lawyer on a broad range of business-related issues, and coverage for things such as tax protection, employment or contract disputes, debt recovery, and statutory licence protection.
  • Cyber Liability Insurance: If you have an optometry website and conduct business online with your patients such as booking reservations, or use a point-of-sale system in your clinic, you are obliged to protect your patients’ confidential and financial data. Cyber liability insurance helps you do that by covering the cost of damages resulting from a cyber-attack or data breach.

Speak to a Zensurance licensed broker about customizing your policy to suit your needs.

The cost of insurance for opticians depends on many factors insurance companies consider to determine a price for your policy, including:

  • The services you provide
  • Number of employees
  • Years of experience
  • Location
  • Your training, certification, and licences
  • Your annual and projected revenue

All opticians in every province are required to carry liability insurance, and they should protect themselves with a customized policy to safeguard their assets, careers, and professional reputations.

Getting insured is quick and easy!

Complete our 5-minute online application for a free optician professional liability insurance quote.

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Common claims scenarios

customer trying prescription glasses

Problem: While filling a prescription for glasses for a patient, you err, and provide the patient with the wrong prescription. While wearing the glasses, they get into a car accident driving home and decide to sue you for the mistake.

Outcome: Your medical malpractice insurance may pay for your legal expenses and any compensation awarded by the court.

optician performing eye exam

Problem: You accidentally injure a patient while helping them try on their new pair of glasses and they require medical attention.

Outcome: Your commercial general liability insurance may pay for the injured patient’s medical expenses.

morning after snow storm

Problem: Overnight, the roof at your optometry collapses following a heavy snowfall, damaging or destroying all your furnishings, electronics, and inventory.

Outcome: Your commercial property insurance may pay to repair or replace the damaged inventory, furnishings, and electronics. It may also cover the cost to clean up and repair the damages inside your clinic as well as the repairs to the roof.

Frequently asked questions

If I sell glasses or contact lenses at my clinic, will I need additional coverage?

Talk to a Zensurance licensed broker to ensure your commercial general liability coverage includes product liability insurance. If it doesn’t, you can add product liability coverage to your policy. Product liability insurance protects you from third-party bodily injury or property damage claims or lawsuits for any product you manufacture, distribute, or sell.

Will my optician professional liability policy cover me for online services?

Yes. If you provide services online temporarily or permanently, your professional liability or medical malpractice policy is designed to provide you with protection and support related to your business should you need to file a claim for an insured loss or damage.

Am I required to obtain insurance from my opticians’ college?

No. You are not required or obliged to purchase an optician insurance policy through the college of opticians in your province or the post-secondary institution you attended. Your best bet to find the right amount of coverage at a competitive price is to align yourself with a licensed business insurance brokerage to shop the market on your behalf.

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Ready to start? Let’s get a quote!

Get a clear view of what you need in an optician liability insurance policy. Fill out an online application to get a free quote from Zensurance. Our licensed brokers will shop our partner network of more than 50 insurance carriers to find you the policy you need.

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