Malpractice & Business Insurance for Eye Care Professionals

The Optometric Protector Plan provides a full array of professional liability insurance coverages designed to meet your individual insurance needs.

The Optometric Protective Plan is pleased to have teamed up with Medical Protective to provide a professional liability policy specifically designed to meet the needs of eye care professionals.

Offering Specialized Insurance Coverage for Eye Care Professionals

  • Optometrists and their staff
    • Lasik Centers and Ophthalmologists
      • Opticians and Ophthalmic Technicians
        • Students and Externships

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        General Liability coverage protects your business from third-party claims for bodily injury, associated medical costs and damage to someone else’s property.

        You should consider general liability insurance if you or your employees:

        • have clients visit your place of work or you visit a client’s place of work.
        • use third-party locations for any business related activities.
        • are required to have general liability insurance before entering into a contract.
        • speak or write about a client’s business.

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        The Office Insurance Program provides protection specifically designed for Medical Offices, combining broad property, which includes coverage for your building and contents.

        Coverage Highlights

        • Valuable Papers & Records Coverage: for the cost to restore information from documents, such as paper medical records.
        • Money & Securities Coverage: protection against the theft of money paid by patients.
        • Equipment Breakdown Coverage:  protection against covered cost of repairs and loss of business income resulting from damage to equipment.
        • Business Income and Extra Expense Coverage: protects you against loss of income for up to 12 months, and can pay the cost of necessary extra expenses to keep you in business.

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        Changes in federal and state laws, such as the Americans with Disabilities Act, the Civil Rights Act of 1991, and the Age Discrimination in Employment Act, resulted in increased awareness of sexual harassment, discrimination, and wrongful termination in the workplace.

        According to the EEOC, the number of workplace discrimination charges increased 15% in 2008, with the largest increases in retaliation and age-based claims.  As an employer you face the risk of legal action from your current, past^ or prospective employees.

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        As a small business owner, your employees are an important part of your continued success.  So, when one of your employees becomes injured or contracts an illness in the course of their employment, it can significantly reduce overall productivity and may impact you financially.

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        Alarming statistics about flood waters, business interruption and business closures has prompted OPP to offer vital flood insurance protection to insureds (clients).

        3 alarming statistics that every business owner should know

        • Almost 40% of small businesses never reopen their doors after a flood disaster.
        • Floods happen everywhere. 25% of all flood damage occurs in low-moderate flood risk areas. Business owners should not rely on a line on a flood map for protection.
        • Most business insurance policies exclude flood damage. Only flood insurance pays qualified claims quickly so a business owner can get back to business.

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        (HIPAA) Health Insurance Portability and Accountability Act of 1996
        (HITECH) Health Information Technology for Economic and Clinical Health

        The new HIPAA HITECH rule enacted by the US Department of Health and Human Services in January 2013, greatly enhances a patient’s privacy rights and strengthens the ability to enforce the HIPAA privacy and security protections, regardless if the information is being held by a health plan, a health care provider or one of their business associates. Penalties have increased for noncompliance based on the level of negligence with a maximum penalty of $1.5 million per violation.

        View Optometric Cyber Liability Breach Cases

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        At the OPP, we recognize the importance ensuring your financial security against a future that is less than certain. That’s why we are pleased to offer Disability and Business Overhead Insurance, which is designed to protect you and your business from financial hardship in the event you suffer a disability and are unable to work.

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        We are dedicated to providing our consumers with the most accurate and up to date information regarding Long Term Care (LTC) Insurance. We hope that you find this website useful in your research regarding long term care insurance and the benefits offered to you. Please request a free quotation from a licensed agent in your state. This specialist will provide you with A rated carrier pricing! Request a Long Term Care Insurance Quote!

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