Optician with a customer

Optician Insurance

We compare quotes from leading insurers
Whether you're running an opticians shop or you're an ophthalmic medical practitioner looking for business insurance, at Premierline we can help find the right cover for your business.

Your optician practice is not just a business; it's a culmination of your passion and dedication to improving vision and enhancing lives. We recognise the importance of protecting your practice and ensuring its continuity. With our in-depth understanding of the optician industry, we are well-equipped to identify the potential risks you face and provide you with tailored insurance that safeguards your business.

That’s why we’ve made it easy to compare covers and prices from a panel of insurers to find the policy that’s right for you. If you know the covers you need and don't require any advice you can quickly compare quotes online.

Alternatively, our expert advisors are just a call away. They’re dedicated to finding you the right cover at the right price and work closely with a panel of trusted insurers to ensure you get bespoke protection for your livelihood.

So whatever your insurance needs, we’ll arrange a policy to meet them and give you the peace of mind that your optician business is protected.

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm

Optician insurance, also known as optometry insurance or optometrist insurance, is a type of business insurance package tailored to protect opticians and optometry practices from various risks and liabilities associated with their profession. It can provide financial protection in the event of accidents, legal challenges, property damage, or other unforeseen events that can impact the business and its operations.

With the right insurance coverage in place, opticians can focus on providing quality care to their customers, knowing that they are protected against various risks and liabilities that may arise in the course of their operations.

When deciding what insurance and covers you need to protect your business, you should consider the following:
As an optician, having insurance coverage is highly recommended to protect yourself, your practice, and your patients. While insurance requirements may vary depending on your location and specific circumstances, optician insurance provides valuable financial protection and peace of mind in the face of potential risks and liabilities.

Opticians typically require a range of different types of covers to protect against potential risks and liabilities. The specific insurance covers needed can vary depending on the nature of the practice, the types of services provided, and the particular risks and exposures faced by the practice. Here are some of the most common types of insurance coverage needed by opticians:

  • Public liability – provides protection against claims made by members of the public who may be injured or suffer property damage.
  • Employers' liability – to protect against claims made by employees who may be injured or suffer illness as a result of their work.
  • Medical malpractice - provides protection against claims of professional negligence by patients in your care.
  • Buildings cover – to cover for loss or damage to your premises.
  • Equipment, contents and stock – to reinstate your items and belongings.
  • Business interruption – to keep finances running when disaster strikes.
  • Business legal expenses – to cover the cost of legal expenses or defending your business against legal action.
  • Cyber liability - to protect against data breaches, cyber-attacks, and other online risks.
  • Directors and officers - can provide coverage for claims of mismanagement, breach of fiduciary duty and discrimination.

The specific insurance needs of an optician shop will vary depending on its size, location, and other factors. At Premierline our insurance advisors can help opticians assess their risks and determine the appropriate insurance covers for their needs.

The cost of optician insurance can depend on a number of things, including the scale of your business, the level of cover you require, and the other risks associated with the care and medical industry.

It's important to speak with an insurance advisor to get an accurate estimate of the cost of insurance for your opticians. At Premierline, we can help you understand the different factors that may affect the cost of insurance and provide you with a customised insurance policy that meets your unique needs and budget.

At Premierline, we have a team of insurance experts who are highly experienced in arranging insurance policies for care businesses such as opticians. We work with a range of leading insurance providers to offer a wide range of cover options for your business and can help you save time and effort by comparing insurance policies from multiple providers on your behalf.

We go beyond one-size-fits-all insurance solutions. Our approach is centred around you – your unique practice, your individual requirements, and your long-term goals. We take the time to listen and understand your specific needs, allowing us to create bespoke insurance packages that provide the right level of coverage. With Premierline, you can rest assured that your optician practice is covered.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited. 
“Excellent Service! Unfortunately had to file an insurance claim but the process was clear and smooth. Claim payout was processed promptly. Renewed business insurance for another year.”
Dental Surgery
Customer since November 2021
4.7/5 stars
341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.
Contact us today to speak with one of our knowledgeable insurance advisors and discover how Premierline can help you secure the right insurance coverage for your optician practice. Trust us to protect your business while you focus on improving the lives of your customers.
Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm