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Optician Insurance
Compare insurance for opticians
Tailored insurance for optician practices
Compare quotes from a panel of trusted providers
Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic specialises in business insurance for small businesses, like optician practices
Get cover to protect against claims from employees, customers & more
Get the protection you need with no needless extras
What is...
optician shop insurance?
Running an optician practice is about more than just frames and lenses — it’s about helping people see their best and making sure their eye health is up to scratch. But just as you focus on your patient's needs, it’s essential to protect your business against unexpected events that could impact your practice.
Optician insurance is a type of business insurance tailored specifically for opticians and optical practices. It’s designed to help protect you from the unexpected, whether it’s your equipment breaking down or a customer injury.
What type of opticians need insurance?
Whether you run a high-street practice, work as a mobile optician, sell eyewear online, or operate as a locum, optician insurance can help keep your business safe.
Why do opticians need insurance?
Having the right insurance in place is key for opticians as you could have to pay out hefty legal fees and compensation if something goes wrong like:
- Your optical equipment is stolen or damaged
- A customer slips and falls in your shop
- Your stock of frames or lenses is damaged
- An employee gets injured while working
Optician insurance can help cover your losses if a claim is made against you or if you need to make a claim.
What does optician insurance cover?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance package could include:
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Public liability insurance
In case you injure someone or damage something while providing your services
Business interruption insurance
To provide compensation if a listed event stops your business from running normally
Business Interruption Insurance
Covers lost income if your commercial property has to close due to material damage
Product liability insurance
In case a product you have sold, manufactured, or designed injures someone or damages something
What doesn’t it cover?
Optician insurance won’t cover everything, and some exclusions apply, such as:
- Intentional damage – Damage caused on purpose isn’t covered
- Neglect – Not keeping up with regular maintenance could void your cover
- General wear and tear – Normal ageing or wear on equipment and stock isn’t included
Double-check your policy details or speak to our team if you have any questions about what’s covered and what isn’t.
How much does optician insurance cover cost?
Because all opticians are different, it’s difficult to give a solid figure for what you’ll be paying for this insurance without speaking to a broker. This is because your business is unique, and prices depend on a number of factors, including:
- Extent of cover — The more cover you opt for, the more expensive your package will likely be.
- Your insurer — Depending on who is willing to insure you, the price for their policies will vary.
- Location — The location of your business is taken into consideration when calculating the cost of your premiums.
- Claims history — If you’ve made a previous claim on your policy or had claims made against you, it may affect your future premiums.
Get optician insurance sorted with Bionic
At Bionic, we know opticians have their hands full, so we’re here to help you get the right cover without the hassle. Our friendly insurance team make it easy to compare business insurance quotes to find the best options for your practice.
Ready to get covered? Start a quote online or chat with us for guidance on getting insurance that fits your needs.
Optician insurance helps protect you against unexpected claims, from damaged specialist equipment to customer injury, so you can keep your sights on delivering great service.
Insurance Director, James Barwell
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
Optician FAQs
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