Optometrist Insurance

When you have a retail component to your practice, stock such as eyewear can be highly attractive to thieves. Your products and inventory are an essential source of income, and the cost to replace these items could set your business back financially. While you can take numerous loss prevention strategies, having the right insurance policy in place is essential.

This coverage is essential if your business stores sensitive client information, bank records, or any other vital information on its computer systems. As a business owner, it’s necessary to be realistic about cybercrime risks. To protect yourself fully, you’ll want to talk to one of our advisors who can help assess your situation.

When most people think of insurance, they think about physical assets like their buildings and equipment. If a substantial loss occurs, like a fire burning down your building, it’s great that you have property insurance in place, but all that policy will cover is the cost of rebuilding your structure. What about all the income you lose because your business is now closed? Business interruption insurance protects your business from a significant financial loss.

The loss of vital equipment could undoubtedly impact your ability to operate your business. This coverage was designed to protect your gear from losses typically excluded under a general equipment policy. Insured items could be anything from your most complicated piece of equipment to your phones (the lifelines of your day-to-day business operations).

We’re all human, which means we aren’t perfect. Errors and Omissions insurance protects you in case of errors or mistakes while providing your client’s professional services or advice. In most cases, you can purchase this coverage through your association. In circumstances where this isn’t an option, our experienced team at Harvard Western Insurance would be happy to help.

Every business, regardless of size, should have a Group Benefits plan. It benefits your employees to get coverage at a reduced cost compared to most personal plans. Help reduce financial stress if something happens to protect your employee’s and their family’s health.

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