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Protection for Optometrists

Your optometry practice is dedicated to providing comprehensive care to protect your client’s vision. The Cincinnati Insurance Company and your local independent insurance agent are dedicated to providing the insurance coverages you need to protect your business.

Protect Your Professional Reputation

The Optometrist Program offers professional liability coverage to protect your business with:

  • an occurrence coverage form
  • no claim settled without your consent (except in Florida and Maryland)
  • corporation or partnership coverage available with separate limits for an additional premium
  • no punitive damages exclusion
  • coverage for students in training

Expand Your Liability and Property Insurance

Your program starts with our standard policies offering coverage needed by most businesses to include liability coverage for medical payments and damage to premises rented to you and property coverage for buildings, business personal property and loss of business income. You can further customize your protection by purchasing only the specialized coverages needed for your business:

  • Broadened commercial general liability endorsement – expands a number of liability features and adds coverages such as employee benefits liability and limited automatic additional insured status for specified relationships.
  • Medical office property expanded endorsement – adds additional coverages including increased limits for accounts receivable, electronic data processing property, debris removal and valuable papers and records.
  • Medical office business income and extra expense endorsement – provides a sublimit for utility service interruption when damage occurs to overhead transmission and distribution lines.

Options to Suit Your Needs

Round out your insurance program with these options:

  • professional umbrella liability policy
  • employment practices liability insurance (available in most states)
  • crime insurance policy
  • business auto coverage
  • cyber risk coverage
  • crisis event expense coverage
  • equipment breakdown coverage

Cincinnati Advantage

Work confidently, knowing you are protected by an exceptional insurance program that provides:

  • loss control services at no additional charge
  • access to vendors offering specialized loss control services and training at discounted rates
  • superior claims service from Cincinnati professionals who typically live in or near your community
  • multi-year policy terms in most states for many coverages
  • stability from a company with a high financial strength rating from A.M. Best Co.
  • more than 90% of our policyholders are highly satisfied with the overall claims process, based on almost 27,000 standard lines auto and property policyholders responding via electronic claim satisfaction survey between January 1, 2020, and December 31, 2022, with an 8, 9 or 10 on a 10-point scale 

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