We appreciate that running a successful opticians practice is a busy and challenging task. You need to be able to focus on running your business safe in the knowledge that if anything were to go wrong you will be covered, and any problems will be dealt with quickly and efficiently. That’s why we at Endsleigh offer tailor made opticians insurance. We work with a range of the top UK insurers to ensure you get the right policy for your optician / optometry practice.
With an Endsleigh opticians insurance policy, contents insurance is automatically included, this cover can include stock, fixtures and fittings, computers and electrical goods. You can also add buildings insurance to cover landlord’s fixtures and fittings, the premises, any out-buildings, shop front and any tenant improvements.
Endsleigh’s optician’s insurance policies come with both employers and public liability cover as standard. If you are an employer of one or more members of staff, whether part time receptionists or full time assistants, you are required by U.K. legislation to hold employer’s liability insurance, so our opticians insurance provides you with £10 million worth of cover. In addition, we offer £2m worth of public and product liability as standard, but this can be increased up to £5 million according to your specific needs.
We understand how the breakdown of a significant piece of equipment can impact upon your business and that’s why we include equipment breakdown insurance within our opticians policy. Not only will we cover you for the repair and / or subsequent replacement of the equipment, but will also cover you for the loss of gross profits caused while it’s out of commission.
Your practice may also be affected by unforeseen events such as fires or floods, which might mean that you would be unable to operate or trade from your business premises. Endsleigh’s opticians insurance includes business interruption insurance cover as standard for 12 months. The public liability element of your insurance can be extended to cover accidents or incidents that can occur through your activities as an optician. A full list can be provided on request from our business insurance advisors.
If you ever make house calls, you can extend your liability cover to include work away as well as specified equipment insurance that you use away from your usual working premises.
