Colonial General Insurance Agency, Inc. offers a specialized Optometrist Insurance Program designed to help agents and brokers place comprehensive coverage for optometry professionals. Whether your client operates a solo practice or manages a growing clinic, Colonial General provides market access and underwriting solutions to protect against the unique exposures optometrists face today.
Ideal Accounts and Appetite
This program targets licensed optometrists and optometry practices that require tailored protection for both professional and business operations. Ideal accounts include:
- Independent optometrists in private practice
- Multi-practitioner clinics with diagnostic and treatment equipment
- Practices offering contact lens fittings, vision therapy, and pre/post-operative care
Accounts with a clean claims history and established operations in the Western U.S. are especially well-suited for placement through Colonial General.
Coverage Highlights and Advantages
Colonial General's Optometrist Insurance Program offers a robust package of coverages to address both clinical and operational risks:
- Professional Liability: Helps protect against malpractice claims related to optometric services.
- General Liability: Covers premises liability and third-party injury claims.
- Business Property: Insures office contents, furniture, and diagnostic equipment.
- Hired & Non-Owned Auto: Extends liability coverage when employees use personal or rented vehicles for business purposes.
- Employment Practices Liability: Helps defend against claims of wrongful termination, discrimination, or harassment.
- Business Income & Extra Expense: Provides financial support during a covered interruption in operations.
- Equipment Breakdown: Covers repair or replacement of vital diagnostic and treatment equipment.
- Worker’s Compensation: Highly competitive coverage available to protect employee health and meet state requirements.
Coverage terms and premiums will vary depending on the carrier selected and risk characteristics.
Underwriting Notes and Market Access
Colonial General works with a variety of carriers and can place business in both admitted and non-admitted markets, depending on the state and risk profile. This flexibility allows agents to find the right solution for a wide range of optometry practices. Clean accounts with complete submissions typically receive faster turnaround times.
Territories and Availability
This program is available to licensed agents and brokers placing business in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability of certain coverages may vary by state and carrier.
Why Work With Colonial General
As a Managing General Agency and E&S Lines Broker, Colonial General brings deep market knowledge and strong carrier relationships to support independent agents. With decades of experience serving healthcare-related accounts, Colonial General is well-equipped to help you place optometry risks with confidence. The team understands the nuances of this profession and provides responsive service from submission to policy issuance.
Whether you're working with a new start-up optometry office or a long-established vision care provider expanding into multiple locations, Colonial General has the tools and expertise to help you secure the right coverage for your clients.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Independent optometrists and small to mid-sized optometry practices with clean loss histories are an excellent fit. Multi-practitioner offices and clinics offering diagnostic services also qualify.
What coverages are included in the Optometrist Insurance Program?
The program includes Professional Liability, General Liability, Business Property, Employment Practices Liability, Equipment Breakdown, Business Income, and more.
Which states is this program available in?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Is this an admitted or non-admitted program?
Colonial General offers access to both admitted and non-admitted markets, depending on the risk and state.
What carriers does Colonial General work with for this program?
Carrier availability varies. Colonial General matches each submission with an appropriate market based on underwriting guidelines and coverage needs.
Need help placing an account? Connect with a market specialist.