Get a fast, no obligation quote which could save you over 15%* 0330 134 4564 Get a quote

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, like Framed Opticians in Manchester (pictured above), 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 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 15% With Us*

Mon-Fri: 8am - 6pm

Call our team to receive a no obligation, instant quote today.

Quote line: 0330 134 4564

Standard Covers**

  • Contents insurance

  • Accidental damage

  • Glass

  • Business interruption

  • Employers' liability

  • Public and products liability

  • Book debts/account receivable

  • Money in safe (if applicable)

  • Money on premises

Optional Covers**

  • Legal expenses

  • Subsidence

  • Loss of rent receivable

  • Tenants improvements

  • Terrorism

  • Embedded breakdown

  • Goods in transit

  • Buildings cover

Premiums from as little as £235.00

In the past 12 months our customers have paid as little as £235.00*** per annum for optician insurance.

65%**** of our optician customers paid less than £555 per annum in the past 12 months.

Why is Insurance Important for Opticians

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 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.

Terms and Conditions

* We randomly surveyed 54 new business policyholders (12.5%) with insurance start dates between 12 April 2019 and 1 August 2019. 93% made a financial saving by moving to smei, with an average saving of 15.96%. This data excludes commercial and residential insurance for landlords.

** Optional cover may differ dependent upon insurer.

*** Data compared from 46 policies sold between November 2017 and November 2018.

**** Based on 46 policies sold between November 2017 and November 2018, 30 customers paid less than £555.


We use a number of UK insurers, who are all regulated by the Prudential Regulation Authority (PRA).


Yes, if you print your documents off they are valid policy documents.


Once you have purchased your policy, you will be sent an email and sms with a link to your policy documents. They are also accessible by logging into the smei site and logging into your profile where all your policy documents are stored. If for any reason you cannot print your documents off or have technical issues then please call us on 0330 134 4600.


We set out to find a group of businesses who embodied everything we love about our local high street. Following our search, we picked a group who know exactly what it means to run a small independent business. Framed Opticians, in Manchester is one of our high street heroes. Visit their website here:

Start typing to choose your type of business

Please enter your type of business

If you are unable to find a suitable option, please click here

Or choose from this full list of businesses

Digits only, no spaces


Digits only, no spaces



This will be used to send your indicative quotation

Digits only, no spaces

Cover if your stock or materials are lost, stolen or damaged

Cigarettes and Tobacco


Photographic Equipment


Wines and Spirits




DVDs, Blu-rays, CDs and Video Games




Electrical Equipment


All Other Stock


Please enter amount


This may include movable furniture, fixtures and other equipment with no permanent connection to the structure of the building.

Please enter amount


If you are a tenant you will be responsible for any improvements you have made.

Please enter amount


If yes, please enter amount. How much would it cost to rebuild your shop if it was badly damaged or destroyed entirely?


You Could Save Over 15% With Us*

Online quote form

Fill in our quick and easy form to receive a no obligation quote as soon as possible.

Direct quote line

Call our team to receive a no obligation, instant quote today.

Call the quote line: 0330 134 4564

Mon-Fri: 8am - 6pm

Feefo Reviews

of our customers would recommend our service based on Feefo

Provided by Feefo
Customer Testimonials
Speech mark
As a previous customer of smei, they contacted me regarding my premium this year and got me an amazing price. Gentleman I dealt with was brilliant, and not too pushy to take on the insurance.

Mrs Sarah Walton

Read more
Log your renewal
Need a reminder?

Fancy a friendly reminder?

If you want one less thing to worry about, simply log your renewal and we’ll remind you nearer the time.

Log your renewal
Related News from SME
Aviva Joins the smei Insurer Panel

Household Name Provider Offers a Range of Covers Including Shop and Salon Insurance, Hotel Insurance and Restaurant Insurance to smei Customers

Read Article
Small Business and SME Guide: Make the Most of National Burger Day

22 August is National Burger Day. Read about how to make the most of it with our helpful guide for restaurants, food retailers and butchers.

Read Article
Defending SubPostmasters When the Worst Happens

SubPostmasters Insurance Services Congratulates the NFSP on its 120th Anniversary

Read Article
National Afternoon Tea Week

Celebrating a Great British Tradition – it’s Time for Tea.

Read Article
Quotes from well-known and specialist insurers, including