Insurance designed by optometrists for optometrists

Endorsed by the AOA, our Malpractice insurance includes guaranteed scope of practice, portable coverage and other benefits for ODs.


Get more from your Malpractice insurance

Our coverage is endorsed by the AOA and offers a multitude of benefits ODs need, including:

  • Scope of practice coverage

    Covers all optometric services within your state’s defined scope of practice. Plus, this policy is structured so that as your state evolves its scope of coverage, there is no waiting period to be covered under your policy.

  • Portability

    Because the policy is tied to you and not your employer, this policy will follow you wherever you practice.

  • Discounts for recent graduates

    Recent grads receive the same great coverage available to all AOA members but at a discounted rate of 50% off the first year and 25% off the second year.

  • Group coverage option

    Our group Malpractice policy provides consistent coverage and may provide more affordable premiums for your group.

Answer a few questions to receive an instant quote on Malpractice insurance.


Your career,
your coverage.

Lockton Affinity partnered with the American Optometric Association more than a decade ago to meet the insurance needs of doctors of optometry by offering:

• Leading Malpractice insurance
• Coverage options for individual or group practice
• Customer service representatives with industry knowledge
• Risk management resources to prevent claims
• Easy account maintenance and more


Other important coverage for optometrists

In addition to leading Malpractice insurance, Lockton Affinity offers:

Cyber Liability

Covers the high costs associated with theft or breach of patient data.

See coverage specifics >

Business Owner’s Policy

Combines Property, Business Interruption and General Liability into one convenient insurance package to protect against everyday risks your business may face.

See coverage specifics >

Practices Liability

Protects against employment-related claims filed by potential, current or former employees.

See coverage specifics >


AOAExcel is proud to have partnered with Lockton Affinity to provide AOA members with the most comprehensive liability coverages for more than a decade. We have worked side-by-side with Lockton Affinity to create policies specifically designed for doctors of optometry… and we continually keep Lockton Affinity up to date on the needs of ODs.

Samuel D. Pierce, O.D.
Chairman of the Board, AOAExcel


We designed this insurance program specifically for doctors of optometry, so we’d love to hear from you. Whether you have questions about coverage or concerns about your risk management plan, we’re here to help you and your practice.