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What is optometrist insurance?

Optometrist insurance is coverage for optometrists – whether they work within a larger organization or run their own practice. If that’s you, then consider investing in insurance to ensure you have the necessary finances to deal with a potential lawsuit and other unexpected expenses.

For example, if you accidently misdiagnose a clinic vision, and they end up getting the wrong prescription contact lenses causing eye strain, you can have an expensive lawsuite on your hands. With insurance, youre provider will cover any associated costs, but without, it would all have to come out of your pocket. If the amount is negligible, you’ll get through it, but if it’s thousands upon thousands of dollars, then you will take a financial hit. There’s no reason to take such risks. Insurance costs money, sure, but it’s an expected expense that you can budget for. You can’t really budget for a disaster, no matter how hard you try.

What optometrist insurance includes

When buying insurance for your optometrist practice, make sure it at least includes the following coverages:

Recommended add-ons for optometrist insurance coverage

While standard optometrist insurance covers the basics, there are several add-ons you might consider:

Common types of optometrist insurance claims

Understanding the common types of claims can help you better prepare and protect your practice.

How much does optometrist insurance cost?

On average, optometrists can expect to pay between $500 and $3,000 per year for comprehensive insurance coverage. However, your actual premium will depend on multiple different factors that are unique to you, such as the size of your practice and revenue, which means that it may fall outside this range. Larger businesses with more than a dozen employees might actually pay far more – from $5,000 to $10,000 a year.

Here are some of the factors that will play a role in determining your premiums:

To find out your actual rate, your best bet is to contact insurers directly – either via a broker or a comparison site like LowestRates.ca, where you can secure comprehensive coverage in minutes.

How to get the cheapest optometrist insurance quote

Securing the most affordable optometrist insurance doesn't mean compromising on coverage. Here are some tips to get the best rates:

Optometrist insurance in Canada: What you need to know

For optometrists practicing in Canada, there are specific considerations to keep in mind: