Your optometry practice is dedicated to providing comprehensive care to
protect your client’s vision. The Cincinnati Insurance Company and your local
independent insurance agent are dedicated to providing the insurance coverages
you need to protect your business.
Protect Your Professional Reputation
The Optometrist Program offers professional liability coverage to protect your
business with:
- an occurrence coverage form
- no claim settled without your consent (except in Florida and Maryland)
- corporation or partnership coverage available with separate limits for an
additional premium
- no punitive damages exclusion
- coverage for students in training
Expand Your Liability and Property Insurance
Your program starts with our standard policies offering coverage needed by most
businesses to include liability coverage for medical payments and damage to
premises rented to you and property coverage for buildings, business personal
property and loss of business income. You can further customize your protection
by purchasing only the specialized coverages needed for your business:
- Broadened commercial general liability endorsement – expands a
number of liability features and adds coverages such as employee benefits
liability and limited automatic additional insured status for specified
relationships.
- Medical office property expanded endorsement – adds additional
coverages including increased limits for accounts receivable, electronic data
processing property, debris removal and valuable papers and records.
- Medical office business income and extra expense endorsement –
provides a sublimit for utility service interruption when damage occurs to
overhead transmission and distribution lines.
Options to Suit Your Needs
Round out your insurance program with these options:
- professional
umbrella liability policy
- employment practices liability insurance (available in most states)
- crime insurance policy
- business auto coverage
- cyber risk coverage
- crisis event expense coverage
- equipment breakdown coverage
Cincinnati Advantage
Work confidently, knowing you are protected by an exceptional insurance
program that provides:
- loss control services at no additional charge
- access to vendors offering
specialized loss control services and training at discounted rates
- superior claims service from Cincinnati professionals who typically live in
or near your community
- multi-year policy terms in most states for many coverages
- stability from a company with a high financial
strength rating from A.M. Best Co.
- more than 90% of our policyholders are highly satisfied with the overall claims process, based on almost 27,000 standard lines auto and property policyholders responding via electronic claim satisfaction survey between January 1, 2020, and December 31, 2022, with an 8, 9 or 10 on a 10-point scale
