Specialist insurance for opticians, including:
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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.
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.
We offer public and product liability to protect you against legal costs, including those relating to third-party injury and damage to property.
We offer employers' liability cover for legal costs and expenses in defending prosecutions, including worldwide cover for UK resident employees working overseas.
Our in-house optician insurance claims team is on hand Monday to Friday between 9am and 5pm to support you. If you have a more urgent concern, we offer a 24-hour helpline.
For material damage and business interruption claims of over £5,000 on your optician insurance, our claims assist team will help. We will appoint a chartered loss adjuster specialising in the type of loss you have experienced, to look after your interests and ensure the entire claims process is handled quickly, fairly and without unnecessary stress.
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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 we offer the option to set up a direct debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).
To understand more about how PCL work together with Towergate, please read our regulatory information.