Optician Insurance

Whether you run a high-street practice, work as a mobile optician, sell eyewear online, or operate as a locum, optician insurance can help keep your business safe.

Having the right insurance in place is key for opticians as you could have to pay out hefty legal fees and compensation if something goes wrong like: 

• Your optical equipment is stolen or damaged 
• A customer slips and falls in your shop 
• Your stock of frames or lenses is damaged 
• An employee gets injured while working 

Optician insurance can help cover your losses if a claim is made against you or if you need to make a claim. 

Optician insurance won’t cover everything, and some exclusions apply, such as:

• Intentional damage – Damage caused on purpose isn’t covered 
• Neglect – Not keeping up with regular maintenance could void your cover 
• General wear and tear – Normal ageing or wear on equipment and stock isn’t included 

Double-check your policy details or speak to our team if you have any questions about what’s covered and what isn’t.

Optician insurance could cost from 54p a day*

Your actual price for optician insurance depends on your requirements. This is because your business is unique, and prices depend on a number of factors, including:  

•  Extent of cover — The more cover you opt for, the more expensive your package will likely be.  
• Your insurer — Depending on who is willing to insure you, the price for their policies will vary.  
• Location — The location of your business is taken into consideration when calculating the cost of your premiums.  
• Claims history — If you’ve made a previous claim on your policy or had claims made against you, it may affect your future premiums.  

Get in touch today to find out what you could be paying for annual optician insurance.

_{*This price is for a offices and surgeries policy  – 10% of customers who were sold with one of our panel providers paid £197.16 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £16.43 a month or £0.54 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary based on your business requirements.}

At Bionic, we know opticians have their hands full, so we’re here to help you get the right cover without the hassle. Our friendly insurance team make it easy to compare business insurance quotes to find the best options for your practice. 

Ready to get covered? Start a quote online or chat with us for guidance on getting insurance that fits your needs.