Property Insurance
In the event of office damage, this insurance will cover your owned building as well as its contents. If a pipe bursts and water damages your business property, if a storm blows the roof off and your store's contents is blown all over, or if a fire occurs, this insurance will reimburse you’re for the covered damage. You can protect your expensive eye testing implements, equipment, and designer frames.
As a business owner, it is crucial for you to have property insurance with replacement cost and business interruption insurance in place to ensure your company’s survival in the event of catastrophic loss. If you are located in a 100 year flood zone, make sure you also get this important policy since flood is not covered under most property policies.
Malpractice Insurance
This insurance covers professional liability, errors, and omissions regarding your work as a skilled optician. If you're responsible for performing a harmful or incorrect eye exam or providing eye drops or other drugs which cause damage to your customer’s eyes or sight, having optician malpractice insurance protects you from these sorts of situations.