Shop owners need insurance for several reasons, but the main benefit is to help shop owners mitigate financial risks and protect themselves, their employees and their customers. It helps provide peace of mind and financial security in the event of unexpected events or accidents.
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).
You Could Save Over 35% With Us*
Contact our team to receive a no obligation, instant quote today.
Standard Covers**
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Accidental damage.
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Book debts/accounts receivable.
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Business interruption.
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Contents insurance.
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Employers liability.
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Glass.
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Money in safe.
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Money on the premises.
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Public and products liability.
Optional Covers**
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Buildings cover.
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Embedded breakdown.
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Goods in transit.
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Legal expenses.
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Loss of rent receivable.
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Subsidence.
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Tenants improvements.
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Terrorism.
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.
Frequently Asked Questions
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Yes, as a self-employed business owner, it’s important to have insurance protection in place. While the specific insurance needs may vary depending on the nature of your business, there are several types of insurance that are commonly recommended for self-employed business owners. To discuss the options, talk to one of our advisers today.
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The cost of shop insurance depends on a number of factors such as: the size of your business, the type of shop you run and how much stock you hold. To discuss your options or to compare the cover you have via another provider with what we could offer you, take advantage of our free business insurance check today.
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