Optometry Insurance Coverage Checklist
The coverages an optometry business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for optometric practices. Priorities reflect typical exposure; confirm against medical eye care and laser procedures.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Optometric Professional Liability | Covers diagnosis and treatment claims — confirm laser procedures are included. | Core | |
| Commercial General Liability | Covers premises injuries to patients and visitors. | Core | |
| Business Owners Policy (incl. | Optical Inventory) Covers equipment and frames and lens inventory. | Prevalent | |
| Cyber Liability | Covers patient-data breaches and ransomware. | Prevalent | |
| Workers' Compensation | Required in most states. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is coverage for expanded scope. Where state law lets optometrists perform laser procedures, the practice's policy may not include them unless declared — and missed glaucoma or retinal detachment remain the severe claims. Practices should declare every procedure they perform, dilate per guidelines, and track referrals until the patient is seen.
Send us the checklist and we'll review your optometry coverage line by line, then market it across multiple carriers that compete for your account.
Related: Optometry Insurance · Optometry Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an optometry business need?
The core coverages for an optometry business are Optometric Professional Liability, Commercial General Liability, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my optometry coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.