MIAB logo

Practice Insurance for Opticians

Protection for buildings, contents and more, designed specifically for opticians.

Cover for your business, reassurance for you

With a large range of expensive stock, and sophisticated testing equipment, opticians offer customers choice and reassurance. Purchasing appropriate insurance cover for the unique needs of the business can be a challenge, so it’s vital that a policy covers a wide set of risks.

We’ve designed a Practice Insurance policy covering commercial, staff and equipment-related risks.

Flexibility and Benefits

Opticians don’t fit a generic policy template so our policy is adapted and shaped to meet your needs. We let you select your own cover limits so you don’t pay extra for cover your practice may not need.

Our expert advisers will help you choose the most suitable policy

Our Optician’s Insurance is appropriate for single or multi-site businesses, sole-traders or limited companies.

As experts in insurance for opticians, our Specialist Insurance Advisers are on hand to answer your questions and discuss the most appropriate policy for your needs.

Key features can include:
  • Mechanical and electrical equipment breakdown, including specialist, diagnostic and IT equipment
  • Computers covered in addition to your contents
  • Full theft, which includes walk-in theft - you don’t need signs of a break-in to claim (dependant on policy)
  • Employer and Public Liability insurance
  • Tax investigation cover for the business that will extend to the personal affairs of the partners/Directors of the practice
  • Business Interruption cover for costs incurred and lost revenue
  • Jury service cover for all staff
  • Employee Dishonesty cover (up to £50,000)
  • Legal expenses and accountancy fees cover for costs and award of legal disputes or tax investigations
  • All risks for equipment away from the premises, so if you need to visit a patient away from the business, you’re covered
  • Lamps, signs and nameplates
  • Optional cover for Loss Adjuster service to give onsite support in the event of a large loss
  • A 24 hour, 365 days-a-year claims line
  • Legal advice line
  • A low £100 excess on the majority of claims
  • Access to AragLegal, a website providing legal information, fact sheets, and documents delivering up to date employment law, health and safety, and business law resources
  • Medical and drug stock included within sums insured


Renewal time comes around so quickly but it was a simple and easy process. Given lots of time to review the renewal policy and ask any questions, which were answered very promptly. The price is very competitive too! Great service from a very good company!
- Lilian Borrows, Practice Manager, Sullivan Way Surgery

Approved Partner