Opticians Insurance

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About Opticians Insurance

House

Building and contents cover

Our cover includes an allowance of up to 50% seasonal increase of stock.

Liability

Employers liability cover included

We offer employers' liability cover for legal costs and expenses in defending prosecutions.

Theft

Money and assault protection included

Our cover includes protection for loss of money from your premises during business hours, or for stock in transit, up to a value of £5,000.

Group

In-house claims team

Claims of up to £5k are handled by our dedicated in-house claims team.

Features of Opticians Insurance

Standard cover

Protecting your assets

Our optician insurance policy includes building and contents cover for your shops, warehouses, fixtures, fittings and stock. We can also offer an increase of up to 50% increase on your stock if needed for any three-month period.

Money and assault protection

With Towergate's insurance for optometrists, you will receive protection for loss of money from your premises during business hours, or for stock in transit, up to a value of £5,000. In the event of assault happening to a member of staff whilst they are in possession of monies belonging to your business, we can also cover up to £25,000.

Public and product liability

We offer public and product liability to protect you against legal costs, including those relating to third-party injury and damage to property.

Employers' liability

We offer employers' liability cover for legal costs and expenses in defending prosecutions, including worldwide cover for UK resident employees working overseas.

Opticians Insurance FAQs

Question

My business is run from an appointment list and a local client base. An unforeseen closure has larger repercussions than just a day's trade - how can your optician insurance policy help?

Answer

If your optician business cannot operate due to an unforeseen closure, we offer up to £4 million over a 24-month period as standard, so you only need to let us know if your income grows above £2 million a year as you may be under-insured.

Question

My accountant has advised me to insure for tax investigations - is this already covered by your policy?

Answer

Yes, our optician insurance policy covers tax investigations undertaken by HM Revenue & Customs, so it is usually not necessary to take out additional cover for this.

Question

If I acquire new equipment for new treatments, will it be covered by my optician insurance policy?

Answer

As you bring in new equipment, contact one of our advisers so we can adjust the 'sums insured' on your policy.

Question

My optician shop is predominately glass-fronted. Is this an issue?

Answer

Not at all. Let your adviser know and they can make sure it's covered in your policy - it will not incur extra costs.

Question

Can I pay in instalments?

Answer

If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 0330 123 5921 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim

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