Insurance Cover for Opticians

Through our experience in dealing with this unique business we have gained a thorough understanding of the professional needs of our opticians this enables us to ensure that the correct cover is put into force and the most competitive premium obtained at all times.

We are aware thieves will go to elaborate lengths to steal what are highly portable and highly valuable items which certainly in the case of sunglasses can be readily re sold. Nowadays the average price of a break in is nearly £2,000. The high cost is due in part to loss of stock but also the repair cost to the premises and display units arising from the theft/damage caused as a result of that theft. On the other hand consider a burst pipe in the flat above the practice outlet which affects the consulting room equipment, as a result sight tests cannot be carried out until the equipment is repaired and replaced. In circumstances this may take several weeks and consequently the practice loses business.

Here is a summary of cover for our Opticians:

  • Contents and Equipment
  • Accidental Damage cover as standard
  • Automatic reinstatement after loss
  • The cost of repair or replacement of shop contents as new
  • Computer Breakdown - Limit £10,000
  • Accidental breakage of fixed glass and sanitary ware
  • Damage to signs and nameplates
  • Visiting bags and their contents for home visits
  • Drugs and practice stock covered within contents
  • Explosion and collapse of pressure vessels
  • Sight test vouchers included within definition of money

Business Liability
Employer´s Liability £10 million
Public and products liability £2 million

Legal Expenses
Underwritten by Abbey Legal
Employment Disputes
Property Disputes
Jury Service Cover available
Inland Revenue & Tax Investigations
Aspect Cover - Limit £1,500
Limit £100,000, any one claim £500,000 any one period of insurance


Optional Cover:

Buildings
Accidental Damage cover as standard
Option to include subsidence cover
Damage to cables, drains and underground pipes

Loss of Gross Profit
Loss of business income following a loss insured under the Contents section
Denial of access
Accidental failure of public utilities supply
Employee lottery win

Book Debts
Automatic cover to £25,000

Theft by Employees
Limit to £10,000

Dispensing Errors
£100,000 indemnity limit

Terrorism
Cover available on request

Personal Accident and Sickness
Cover for partners and employees

Helplines
Free 24 hour emergency helpline
24 hour Glass replacement service
Free tax and legal helpline, Monday to Friday 9 am to 5 pm