Opticians Insurance
Protect your optical practice from sight testing claims, dispensing errors and patient disputes with specialist cover.
Get in touchWhat is opticians insurance?
Opticians insurance is a specialist policy that protects optometrists and dispensing opticians from the clinical risks of providing eye examinations, prescribing corrective lenses and detecting eye conditions. It typically includes professional indemnity, public liability and employers liability.
If a patient claims you missed a sign of glaucoma during a routine eye test, or dispensed incorrect lenses that caused discomfort, professional indemnity covers the resulting claim.
Find cover options from specialist insurers who cover optical practices, ensuring your policy reflects the clinical and retail aspects of your business.
Professional Indemnity
Covers claims arising from sight testing errors, missed diagnoses or dispensing mistakes.
Public Liability
Covers injury or property damage claims from patients visiting your practice.
Employers Liability
Required by law if you employ staff, covering workplace injury and illness claims.
Buildings and Contents
Covers your practice premises, testing equipment and stock.
Who needs opticians insurance?
Independent optometrists
Running an independent optometry practice
Dispensing opticians
Fitting and supplying spectacles and contact lenses
Domiciliary opticians
Providing eye tests in patients' homes and care settings
Contact lens specialists
Fitting and supplying specialist contact lenses
Optical retail businesses
Operating optical retail stores with dispensing services
WHY CECIL
Built differently.
Clinical and retail cover combined
Optical practices combine clinical examination with retail dispensing. Cecil finds insurers who cover both aspects in one policy.
Meets GOC requirements
Cecil ensures your professional indemnity meets General Optical Council requirements for registered practitioners.
Equipment and stock protected
Optical equipment and frame stock represent a significant investment. Cecil includes cover for your premises, equipment and inventory.
Competitive quotes for all practice types
From sole practitioners to multi-branch optical businesses, Get your cover options from healthcare and retail insurance specialists.
Common questions about opticians insurance
Do opticians need professional indemnity insurance?
Yes, the General Optical Council requires registered optometrists and dispensing opticians to hold adequate professional indemnity insurance.
Does opticians insurance cover missed eye conditions?
Yes, professional indemnity covers claims that a routine eye examination failed to detect a condition that should have been identified.
Do I need insurance for domiciliary eye tests?
Yes, your professional indemnity should cover examinations wherever they are carried out. Cecil ensures home visit work is included.
What level of professional indemnity do opticians need?
Most opticians carry between £1m and £5m. Your professional body may set minimum requirements.
Does opticians insurance cover contact lens fitting?
Yes, professional indemnity covers claims arising from contact lens fitting, including adverse reactions and fitting errors.
Interested in Opticians insurance?
We will be in contact when Cecil launches.