Opticians Insurance

Specialist insurance for opticians.

  • Buildings and contents cover
  • Get covered and your documents on the same day
  • UK-based support 

Call us on 0330 123 5292 or start a quote online.

A shield with a tick inside it on a big translucent blue circle
An opticians phoropter machine
If you need additional assistance arranging your insurance, find out how our teams can support

One of the UK's leading independent insurance brokers

Trusted brand icon

Overall service rating 4.6 / 5

Based on 4321 customer reviews

Feefo Logo

Why choose opticians insurance with Towergate?


Building and contents cover

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


Employers liability cover included

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


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.

Direct Debit icon

In-house claims team

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

About opticians insurance


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.

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

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0330 123 5921 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
Smiling women sitting on a rug on a parquet floor leaning on a sofa looking at her mobile

Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Opticians insurance FAQs

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.

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.

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

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

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).

Opticians insurance articles

Mitigate the Cyber Risks for Care Businesses Using Cloud Based Services

The risk of cyber crime is increasing, and care and medical organisations are no exception. Find out how to protect your business against this threat.

Read more

Top Tips for Renewing your Care Business Insurance

Read our top tips for renewing your business insurance.

Read more

Are you ready to scale up your business?

When your company is thriving, you may consider scaling up. This article looks at key considerations to take into account when scaling up your business.

Read more

Business Insurance Checklist

Get the best business insurance. Our checklist will help you understand what makes the best business insurance and what you can do to be best protected.

Read more