Optical Resources Property & Liability Insurance Programs

Optical Resources Business Insurance 
Coverage Highlights
The Optical Resources Business Insurance Program provides a wide array of coverages to meet the insurance needs of Optical Resources members. The property and liability program will provide building, contents, loss of income and liability coverages for Optical Goods Stores, Optometrists, and Ophthalmic goods distributors, manufacturers and wholesale laboratories at discounted group rates. Average rate discounts will vary by state. Coverages available will include:

• Package
     Property
  • Buildings
  • Contents
  • Loss of Income
  • Tools & Equipment
  • EDP Computer Equipment Coverage
     Liability
  • $1,000,000 Limit
  • Opticians Professional Liability
  • Personal Property of Others (Customer's Glasses)
• Business Automobile
• Workers Compensation
• Equipment Floater
• Umbrella Liability

Specially designed coverages for the Optical Goods Industry have been included such as "Accounts Receivables", "Employee Dishonesty", "Computer Equipment" coverage, and "Optician's Professional Liability" coverage.

We've developed a comprehensive insurance program to meet the precise coverage needs of

1. Optical Goods Stores engaged in retailing and fitting prescription eyeglasses and contact lenses, grinding of lenses to order on the premises, and retailing of non-prescription eyeglasses.
2. Optometrists engaged in the independent practice of optometry; professional must have an O.D (Doctor of Optometry) degree.
3. Ophthalmic goods distributors, manufacturers and wholesale laboratories engaged in the distribution of eyewear; such as lens, frames, and contact lens; eye diagnostic equipment, such as ophthalmoscopes and tonometers; and laboratory equipment, such as lens grinding, polishing, and precision measuring equipment.

The Optical Resources Business Insurance Program will respond to all your Property, Liability, Automobile, Workers Compensation, and Umbrella Liability needs under the broadest terms. In addition, premiums may be paid in monthly installments.