Opticians Insurance

Our Team of Insurance Specialists Understand the Challenges that Opticians Face on a Daily Basis.

That’s why our policies offer a wide range of cover for all your needs.

Running an opticians means you need to be aware of the different risks that can arise during the course of day-to-day trading. However, this also needs to be balanced with serving and managing customers who come through the door. No matter how hard you try, there is always the chance that accidents may happen.

This is where we can help. We have been providing insurance services to UK businesses since 2002 and currently handle in excess of 35,000 policies. As we have access to quotations from a selection of UK based insurers, we feel we are in an ideal position to source an opticians' insurance policy to match for your business needs, at a competitive premium.

If you find your requirements are more unique and fall outside the usual areas that insurers typically offer cover for, then we can often still provide a quotation. These include:

  • Premises with flat roofs.
  • Risks with high sums insured.
  • Start-up businesses.
  • Proposals that have had large claims (including fire or flood).

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Standard Covers**

  • Accidental damage

  • Book debts/account receivable

  • Business interruption

  • Contents insurance

  • Employers' liability

  • Glass

  • Money in safe (if applicable)

  • Money on premises

  • Public and products liability

Optional Covers**

  • Buildings cover

  • Embedded breakdown

  • Goods in transit

  • Legal expenses

  • Loss of rent receivable

  • Subsidence

  • Tenants improvements

  • Terrorism

Premiums from as little as

363 .37

In the past 12 months our customers have paid as little as £363.37 per annum for opticians insurance.

50% of our optician customers paid less than £1,379.71 per annum.


Why Opticians' Insurance is Important

The insurance cover that you arrange should reflect the risks that are posed to you and your business. This may come in the form of cover for the variety of complex items of equipment that you use, the stock that you sell, the premises you work from, and the protection of your staff and customers alike.

By taking out an opticians' insurance policy that is bespoke to your business, you can rest assured that you can be protected to minimise the impact on your business should the event of an insured peril occur, such as a fire or flood.

About the Optician Industry

Opticians are people we trust to ensure that our eyes are healthy, and our vision is the best it can be to get on with our everyday lives. Glasses, contact lenses, and sunglasses are all available from the opticians and they can all be tailored to suit your particular prescription and needs.

We are often advised that eye tests should be carried out at least every two years with separate tests for glasses and contact lenses. Therefore, it is easy to see why opticians can become busy places. Whilst this is good news for the opticians themselves, it may cause other distractions to running their businesses. This is why it is important to ensure that opticians not only have the right qualified people working with them, but also that every aspect of the business is protected against potential risks with the right opticians' insurance.

* Please click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer.

*** Data compared from 33 policies sold in 2022. 8 customers paid as little as £363.37.

Frequently asked questions

Different types of charity shops have varying needs of protection. For example, your charity shop may sell everything from clothing and books, to electrical items such as televisions and sound systems, or you may need cover for fundraising events and activities. The policies that you include in your charity's insurance package may be influenced by a number of factors, including the size and nature of your charity, and the work it carries out. Why not speak to one of our advisers and let them know your requirements, and we'll look for a policy that best suits your needs. If you have employees, by law you need employers liability insurance. This protects you if an employee becomes injured or seriously ill as a result of working for you. As you have members of the public filtering in and out of your charity shop, pubic liability insurance is essential. This cover will protect you if a shopper has an accident or stock is damaged as a result of you or your employee's negligence. For charity shops, stock insurance should be a high priority. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing. As you constantly have members of the public filtering in and out of your supermarket, pubic liability insurance is essential. This cover will protect you if a shopper has an accident or their property is damaged as a result of you or your employee's negligence. If you have employees, by law you need employers liability insurance. This protects you if an employee becomes injured or seriously ill as a result of working for you. Stock insurance should be a high priority. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing. It can also be increased around key dates when you would carry goods that are more expensive than usual, like at Christmas for example. Each supermarket has varying needs of protection. For example, your supermarket may have an onsite bakery or you may have a large amount of frozen stock that you need to insure. Speak to one of our advisers and let them know your requirements, and we'll look for a policy that best suits your needs. The cost of your insurance policy depends entirely on your needs. Our flexible policies can be adapted to fit your requirements and your budget too. For example, multiple options may be available from our panel of insurers - each with differing features and prices. We will find you several possibilities so you can make an informed decision on which option is best for you. Some types of insurance may be a legal requirement. Others will protect you and your supermarket in the event of a claim but are not compulsory. Not having the right insurance or inappropriate cover for your supermarket could be a false economy. For example, if you don't have public liability insurance and a customer trips over a box left on the floor you may be liable to pay costs of compensation. Therefore, it's important to consider all the risks facing your supermarket and match your insurance protection to your requirements which should provide you with peace of mind that a potential claim won't damage your business. Some types of insurance may be a legal requirement. Others will protect you and your bike shop in the event of a claim but are not compulsory. Not having the right insurance for your bike shop could be a false economy. For example, if you don't have public liability insurance and a customer trips over equipment or boxes on the floor, you may be liable to pay compensation costs. Therefore, it makes sense to match your insurance protection to your requirements which should provide you with peace of mind that a potential claim won't damage your business. Some types of insurance may be a legal requirement. Others will protect you and your charity shop in the event of a claim but are not compulsory. Your charity will likely be interacting with members of the public on a daily basis, which means there's a risk of your charity's activities causing injury, illness or property damage to a third party. If an unexpected situation occurs, then you could be held liable for the damage, and financially responsible for legal fees and compensation. Public liability insurance for charities could cover you in this situation. For bike shops, stock insurance should be a high priority, especially given the value of the products you are selling. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing. It can also be increased around busier seasonal periods when you may offer bikes and equipment that are more expensive or exclusive.

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smei is always best. We have more than 10 hair salons and they never forget the renewal time, never renew the policy without asking, customer service always polite and solve any problems quickly. Also I can see all of my policies on their portal, no waste of paper, everything online. Thank you smei!

Rana Dincer

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