Optometrist Insurance

Ideal Accounts and Appetite

This program is designed for licensed optometrists and optometry practices that need combined professional and business coverages. 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

Colonial General favors accounts with documented procedures, good recordkeeping and clean claims histories. Practices outside the typical scope of primary optometry care (for example, high-risk surgical centers performing complex ophthalmic surgeries) may require referral to a specialist market.

Coverage Highlights and Advantages

The Optometrist Insurance program combines professional and commercial coverages to protect both clinical exposures and day-to-day operations. Notable components include:

• Professional Liability: Defense and indemnity for alleged malpractice arising from optometric services.
• General Liability: Premises and third-party liability for bodily injury and property damage.
• Business Property: Coverage for office contents, furniture and diagnostic/treatment equipment.
• Hired & Non-Owned Auto: Liability for business use of employee personal or rented vehicles.
• Employment Practices Liability: Defense for claims alleging wrongful employment practices.
• Business Income & Extra Expense: Help maintaining cash flow during a covered interruption.
• Equipment Breakdown: Repair or replacement of essential diagnostic and treatment equipment.
• Worker’s Compensation: Competitive programs to meet state requirements and protect employees.

Available limits, endorsements and pricing will vary by carrier and the specific risk characteristics of each practice.

Underwriting Notes and Market Access

Colonial General places optometry business in both admitted and non-admitted markets as appropriate for the state and account profile. The MGA’s carrier relationships allow flexibility — admitted capacity is available where offered by markets; E&S placement is an option for more complex or higher-exposure accounts.

Key factors underwriters evaluate include claims history, types of services offered (e.g., diagnostic vs. surgical), total gross receipts, staff training, and equipment inventories. Complete submissions with loss runs, office protocols and equipment schedules typically receive faster review and placement.

Territories and Availability

This program is available to licensed agents and brokers placing business in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Specific coverages and admitted options may vary by state and carrier, so confirm availability on a per-submission basis.

Why Work With Colonial General

As a Managing General Agency and E&S lines broker, Colonial General combines deep knowledge of healthcare exposures with broad market access to help you place optometry risks efficiently. The team focuses on responsive underwriting, pragmatic coverage solutions, and matching each submission with the most appropriate market.

Example scenarios where this program fits well:

• You have a solo optometrist who needs professional liability, office property and equipment breakdown coverage for a new digital retinal camera.
• You represent a multi-doctor clinic expanding to a second location that requires combined GL, PL, business income and workers’ compensation placement.

From start-ups to established practices, Colonial General supports agents with underwriting guidance and access to admitted and non-admitted solutions tailored to optometry operations.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.