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What is optician insurance?

If you’re an optician with your own practice, having insurance is essential. It not only safeguards your business financially but also boosts your credibility with clients and potential partners. Even if you’re great at what you do, running your own business comes with risks. Lawsuits can happen, whether due to malpractice or accidents in your clinic.

For instance, while fitting a client with glasses, an unrelated issue might make them think you caused them harm, leading to legal action. In such cases, having insurance ensures you have the funds to protect yourself, regardless of fault.

What optician insurance includes

A basic optician insurance policy should at the very least include the following coverages:

Recommended add-ons for optician insurance coverage

If you’d like to expand your optician insurance coverage, consider adding the following to your policy:

Common types of optician insurance claims

You might be wondering what sorts of claims other opticians have filed to warrant paying for insurance in the first place. Here are some examples:

How much does optician insurance cost?

When you're looking at optician insurance, the price can change based on different things. First, the more coverage you want, the more you'll pay. Where your business is located also matters because insurance rates can vary by area.

Your experience as an optician can affect the cost too. If you've been working longer, you might get lower rates because you're seen as less risky. Newer opticians might pay a bit more until they build their reputation.

If you have employees, that can increase your insurance costs since you need more coverage. Things like the size of your business and the services you offer can also impact the price. Rates usually start around $200, but getting a quote from an insurance company will give you a better idea of what you'll pay. Talking to insurers can also help you find any discounts or special deals, making sure you pick the best option for your business.

How to get the cheapest optician insurance rates

You can try to get a cheaper rate by:

Optician insurance in Canada: What you need to know

Here's what you need to know about insurance for opticians in Canada: