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).

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.

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^{* 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 44 policies sold in 2019.}