For optometrists & practice managers
From diagnostic equipment to eyewear inventory, your practice has distinct business risks. Get personal guidance on property, liability, workers’ compensation, and cyber coverage.
Local, independent guidance from Premier Group Insurance of Central Florida.
Your practice may combine patient care, specialized equipment, and a retail inventory in one location. A useful insurance review looks at all three, including how a disruption would affect appointments and sales.
Premier Group Insurance helps optometrists in Orange and Lake County compare business insurance options with clear explanations. We can review an established office, a new location, or a growing practice based on its actual services and operations.
Coordinate the office, inventory, employee, and technology exposures that keep your practice running.
Review exam instruments, diagnostic equipment, furniture, and improvements to your leased space. A business owners policy (BOP) can bring key property and liability protections together.
Frames, lenses, contacts, and display stock can represent a meaningful investment. Review inventory values, valuation terms, and the causes of loss your property policy covers.
Review coverage for the people supporting your patients and optical sales. Accurate payroll and job duties help align the policy with how your office operates.
Scheduling, electronic patient records, and payment systems create connected risks. Compare cyber options for covered incidents affecting your practice and the information it handles.
Review what happens if covered property damage closes your office, or an insured mechanical or electrical breakdown puts an exam lane out of service.
Review non-treatment liability exposures in your office and optical retail area, plus additional limits that may be appropriate for your business or lease.
Personal guidance for owners and office managers, from the first conversation through renewal.
Start with our business quote form or call us. Share your services and any optical retail operations, location, renewal date, and the coverage you want reviewed.
We look at your current coverage, equipment values, payroll, and lease requirements, then compare available carrier options.
Understand the limits, deductibles, and important differences before you decide. Our team stays available for service and renewal questions.
Serving Orange and Lake County, including Horizon West, Hamlin, Ocoee, Oakland, and the communities below.
This is business insurance for optometry practice owners. It addresses exposures such as office property, equipment, liability, employees, and cyber incidents. It is not a patient vision benefits plan.
Start with accurate values for frames, lenses, contacts, and other stock, including seasonal or peak levels. Identify consigned inventory separately and review valuation, deductibles, theft provisions, and covered causes of loss.
Ordinary property coverage and equipment breakdown coverage respond to different causes of loss. We can review breakdown endorsements and any related business income protection. Routine maintenance, wear and tear, and every type of failure are not automatically covered.
Florida generally requires non-construction employers with four or more employees to carry workers’ compensation. Part-time employees and non-exempt corporate officers or LLC members can count. We can review your ownership and staffing before quoting. See Florida’s coverage requirements.
A standard BOP is not a substitute for optometric professional liability coverage. We review business insurance alongside the malpractice coverage you already carry, and any separate professional liability placement must be confirmed.
Your location, services, renewal or opening date, equipment and inventory values, payroll, and prior claims are useful starting points. Current policies help us compare limits and deductibles. We do not need patient charts or medical records.
Talk through your equipment, optical inventory, team, and technology with a local, independent advisor.
Coverage descriptions are general. Availability, eligibility, exclusions, limits, deductibles, and endorsements vary by insurer and policy. A quote request does not bind or change coverage.