Opticians Insurance quote
We can provide insurance for Opticians under our shop insurance package policy. We can cover both Buildings & Contents & Business Risks (excluding Professional Indemnity). Cover is available for both ophthalmic and dispensing opticians.
One of the biggest concerns for any Opticians business, is the equipment and stock it holds on the premises, this can include: display stands, display frames, spectacles, glasses cases, contact lenses, cleaning fluids, lens containers and of course the all important equipment like test charts and testing lenses & tonometers which can help detect serious eye conditions such as Glaucoma. Coupled to this you have the everyday surgery furnishings, such as tables, chairs and counters and of course computing equipment. A valuation of a replacement basis will have to be obtained and this amount will become the sum insured under the contents section of the insurance policy.
Our Opticians shop insurance policy will include a wide range of perils extended to include accidental damage. If you own the building in which your opticians is located, you can include buildings insurance under the policy wording, if you lease or rent the building from a landlord, then under our package insurance, you can include your shop front glass and add advertising display material located on the building that you are responsible for.
A valuable section of the policy covers business interruption insurance, unlike may business, an opticians, can often keep trading after a serious event such as a fire or flood, most customers or patients if you like, will still wish to use the practice, like a doctors surgery, most patients do not change opticians that often. In view of this, opticians can sometimes find temporary accommodation whilst, there repairs are being dealt with and this “increased cost of working” is covered by the policy.
Liabilities are also covered (but not professional negligence, this is a specialist form of policy and has to be dealt with as a separate matter). Public liability will cover you against claims for negligence for injuries or damage to property to members of the public that visit your premises, for example, if a customer trips over some equipment or slips on flooring, you may yourself receiving a compensation claim.
To assist the optician, a business legal expenses insurance section can also be included, (this is an optional cover) this comes with a 24 hour helpline, providing advise on such issues as business assistance, counselling and commercial legal matters. The main section of the legal expenses policy has a broad range of covers including, employment disputes and compensation awards, tax protection, contract disputes, health and safety issues, data protection, criminal prosecution, property protection and tenancy disputes. An online business law and employment manual is also provided. In today’s, compliance driven world many business owners are including this valuable addition to their polices. Please contact Assetsure where we will be pleased to discuss an quotation for optician shop insurance.