Insuring your Online Optical Appointments

In 2025 you might be considering flexible and new ways to develop your career as an optician. And, as other healthcare sectors are adapting to the current digitalisation, opticians are no exception. With digitalisation comes both flexibility and inclusivity to those who might be less abled, live in rural locations or require more frequent check-in’s regarding their eyes. 2025 might be the year you will consider online optical appointments to expand your services.

Whether you are currently self-employed or working for an employer and you wish to begin these appointments for some extra out-of-hours business, it is imperative to be aware of the risks you may be exposed to. And, what areas of cover which might be a legal requirement.

Professional Indemnity

Regardless of whether you are working an opticians practice or working outside of it, we recommend that those working in healthcare are insured with Professional Indemnity insurance that is bespoke to your needs of cover. This is to help protect you against claims made against you but can also give you peace of mind as you carry out your work. For those researching into online optical appointments, Lloyd & Whyte have specialists who can review your current cover to ensure you are fully protected going forward.

We can offer a range of products depending on your requirements, including Medical Malpractice, Indemnity Essentials and extensions for cosmetic procedures.

Cyber Insurance

All digital assets carry risks of fraud, data breaches or various cyber incidents which can pose a threat to data you store. If you are either extending or transitioning to online consultations, an adequate Cyber Liability policy should be one to consider going forward.

Peoples names, addresses and any personal information could be considered sensitive data, with the consequences of a breach affecting both business and reputation. Our Cyber Liability policy can cover various areas of online work, from business interruption in the event of a cyber incident to data recovery costs. Discuss your cyber usage with an advisor to find out what limits will be right for you.

Personal Insurance

If you are likely to pursue online consultations at home, reviewing this year’s home insurance policy with an advisor can avoid underinsurance of valuable belongings. You might keep expensive optical equipment or software at home for online meetings, it is best to disclose this in the event of a claim and to mitigate financial loss.

At Lloyd & Whyte, we try ensure the complete Broker experience, as the Association of Optometrists preferred insurance partner. The policies and level of coverage listed above does not showcase our full products and services. Therefore, if you have any enquiries regarding a bespoke or alternative commercial policy, please phone us on 01823 250760.

Our specialist Insurance Advisers are able to discuss your insurance requirements today.