Optometrists diagnose patients eyes to help them out with their vision problems and eye diseases, and they test patients visual acuity, depth and color perception, and ability to focus and coordinate the eyes.
Why do Optometrists need professional indemnity insurance?
The main responsibilities of Optometrists include:
- Examining the eyes of patients of all ages to detect signs of injury, disease, abnormality or vision defects
- Checking for signs and symptoms of general health conditions (e.g. diabetes)
- Issuing prescriptions for glasses or contact lenses
- Fitting and checking prescribed lenses in order to correct vision defects
- Offering advice and reassurance about vision-related matters
- Offering help and advice for patients choosing frames and lenses
- Writing referral communications to doctors
- Liaising with other medical practitioners and sometimes sharing the care of patients with chronic ophthalmic conditions
Any false advice or errors in performing their duties could lead to a lawsuit and claim by a patient against the Optometrist. Professional Indemnity insurance provides essential financial protection for Optometrists by covering legal defense costs and damages payable in the event of a claim.
Public Liability Insurance for Optometrists
If you or any of your employees visit a customers premises your actions could cause an injury to another person. Similarly, if an accident happens whilst a member of the public comes to your place of business and they are injured you could be held liable. Public Liability Insurance protects you in the event that such accidents occur and a claim is subsequently made against you.
Public liability insurance also covers you if damage is caused to third party property while at the customers business. An example would be if an employee broke a valuable item while making a delivery at a customer's home. The claim to replace the item would be covered by public liability insurance.
Key exposures for Optometrists:
- Negligence in diagnoses
- Prescribing wrong treatment plan
- Failure in providing timely treatment
- Negligence in giving advice to clients for physical well being
- Wrong advice and reassurance provided about vision-related matters
- Physical harm or injury made while diagnoses
Please Note: Coverage under the policy will be subject to the particular circumstances relating to a claim and the full terms and conditions of the policy.