Professional Liability and General Liability for Optometrists

When you work with Affinity Healthcare, you’ll find that we understand the needs of optometrists and offer outstanding coverage and service.

Some professional liability insurance programs provide limited malpractice coverage to optometrists. As your advocate with the insurance industry, we’ve made sure that the Affinity Healthcare plan covers the range of professional optometric services provided within each state’s defined scope of practice.

The policy offered through Affinity Healthcare provides the following benefits:

General Policy Provisions

  • Owners, Business Entity and Employees are covered under one policy
  • Legal Expenses – paid in addition to your liability limit
  • Occurrence form available
  • Consent to Settle Rights included
  • NO deductible

Professional Liability

  • Professional Liability Insurance – up to $1,000,000 each claim/up to $3,000,000 aggregate (higher limits available)
    • Optometrists Administrative Proceedings Defense – up to $25,000 aggregate
    • Sexual Misconduct/Abuse Coverage – up to $25,000 aggregate
    • Professional Boards or Organizations -- included
    • Defendant Expense Benefit for Lost Wages – up to $500 per day
    • Deposition Expense Reimbursement – up to $2,500 aggregate
    • Assault Coverage – up to $5,000 aggregate

General Liability Insurance

  • Commercial General Liability – up to $1,000,000 each claim/up to $3,000,000 aggregate
    • Personal and Advertising Injury Protection – up to $1,000,000 each claim/up to $3,000,000 aggregate
    • Fire Legal Liability – up to $50,000 aggregate
    • Medical Payments – up to $5,000 aggregate

Financial Stability

The Affinity Healthcare program is underwritten by Granite State Insurance Company, an American International Group, Inc. (AIG), company. AIG has 40 years’ experience providing best-in-class coverage to the healthcare industry. AIG has an A.M. Best insurance financial strength rating of “A” (Excellent) and a Standard and Poor’s credit rating of “A+” (Strong).

For more information on the policy benefits offered, view the detailed brochure.

Affinity Healthcare is a registered trade name of Affinity Insurance Services, Inc.; (AR 244489); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services Inc.; in CA, Aon Affinity Insurance Services, Inc., (0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency.