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Why is Insurance Necessary for Optometrists?

As an optometrist, you play a crucial role in providing essential eye care services. However, operating within the healthcare sector exposes you to potential risks and challenges. The Health and Disability Commissioner oversees complaints and potential breaches of professional standards, ensuring accountability in the industry. In the face of such situations, having comprehensive optometry liability insurance becomes vital. It offers protection from potential legal costs and ensures you can focus on delivering top-notch care with peace of mind.  This insurance coverage provides protection and peace of mind, allowing you to focus on delivering exceptional care without undue worries.


Material Damage

The physical assets of your business can be insured for accidental sudden loss or damage.

OptiSure provides the following additions:

20% margins clause
Claim up to 120% of your Assets sum insured.

Customers Goods Covered

Regardless if you are liable for the damage or not. Machinery / Computer Breakdown included.

Business Interruption

Loss of insurable Gross Profit or Extra Costs incurred, which arise as a result an interruption to your business – following a claim on your Material Damage Insurance policy.

OptiSure provides the following additions:

20% margins clause
Claim up to 120% of your Profits sum insured.

Statutory Liability

Cover for your legal defence if you are prosecuted for an unintentional breach of an insured Act of Parliament.

Public Liability

Protects your legal liability to pay damages to other people who have suffered personal injury or property

Employers Liability

If your employees suffer an injury that is not covered under ACC, they are able to bring a case against you under Common Law. This insurance
provides for defence costs and any settlement arising from such cases.

The above standalone lines of liability insurance can be extended to a Management Liability product.

Medical Mal-Practice

Protects your legal liability arising from you making a mistake which results in an injury to a patient, including costs for defending claims
against you.

Cover applies at a clinic level, providing protection for all employees of the clinic.

Under OptiSure, cover is extended to include work done by Contractors and Consultants working on your behalf.

As part of the OptiSure Insurance programme you will also be provided with access to one hour free legal consultation over the phone.


Complete the online OptiSure Insurance proposal below.

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Delta was established in 2014 to answer the call for insurance in new or specialised areas with exceptional customer service – all underpinned by transparency and integrity. Today we cover over 30,000 risks in New Zealand, Singapore and Australia and are proud to have won ANZIIF’s Insurance Underwriting Agency of the Year award consecutively for the last five years for our continued focus on customers. As well as resolving claims, we focus on incident prevention using a range of risk mitigation strategies, partnerships and solutions – ultimately we’re here to give our customers the confidence and security to succeed.