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Opticians Insurance
Specialist insurance for opticians.
- Buildings and contents cover
- Get covered and your documents on the same day
- UK-based support
One of the UK's leading independent insurance brokers
Why choose opticians insurance with Towergate?
Building and contents cover
Our cover includes an allowance of up to 50% seasonal increase of stock.
Employers liability cover included
We offer employers' liability cover for legal costs and expenses in defending prosecutions.
Money and assault protection included
Our cover includes protection for loss of money from your premises during business hours, or for stock in transit, up to a value of £5,000.
In-house claims team
Claims of up to £5k are handled by our dedicated in-house claims team.
About opticians insurance
Protecting your assets
Our optician insurance policy includes building and contents cover for your shops, warehouses, fixtures, fittings and stock. We can also offer an increase of up to 50% increase on your stock if needed for any three-month period.
Money and assault protection
With Towergate's insurance for optometrists, you will receive protection for loss of money from your premises during business hours, or for stock in transit, up to a value of £5,000. In the event of assault happening to a member of staff whilst they are in possession of monies belonging to your business, we can also cover up to £25,000.
Public and product liability
We offer public and product liability to protect you against legal costs, including those relating to third-party injury and damage to property.
Employers' liability
We offer employers' liability cover for legal costs and expenses in defending prosecutions, including worldwide cover for UK resident employees working overseas.
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
- Find your insurance documents and make sure you have all your information at hand, including your policy number.
- Call the claims team on 0330 123 5921 and explain exactly what happened.
- Provide photos if requested to help us understand what happened as quickly as we can.
Ready to get covered?
- Fill in our online quote form or call us
- Purchase your policy
- Relax - You're covered!
Opticians insurance FAQs
If your optician business cannot operate due to an unforeseen closure, we offer up to £4 million over a 24-month period as standard, so you only need to let us know if your income grows above £2 million a year as you may be under-insured.
Yes, our optician insurance policy covers tax investigations undertaken by HM Revenue & Customs, so it is usually not necessary to take out additional cover for this.
As you bring in new equipment, contact one of our advisers so we can adjust the 'sums insured' on your policy.
Not at all. Let your adviser know and they can make sure it's covered in your policy - it will not incur extra costs.
If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).
See our range of cover
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