How to Select Insurance Limits

With insurance limits, retroactive dates, coverage exclusions and more, insurance can be confusing. At the AOA Insurance Alliance administered by Lockton Affinity, we strive to make it as simple as possible. Read on for some basic information about how to select insurance limits. Understanding insurance limits An insurance limit, or limit of liability, is the [...]

Individual Versus Group Insurance Policies

As an optometrist, you’ve likely heard about the importance of Professional Liability Insurance. Professional Liability Insurance from Lockton Affinity is critical to protect yourself and your career. But when do you choose a group policy versus an individual policy? It ultimately depends on your preference and your practice. Read on for information about both types [...]

Reporting Professional Liability Claims as an Optometrist

Despite how practiced and careful you are, you are still at risk of being sued for the services you provide as an optometrist. From disgruntled clients to a missed diagnosis to an injury during an exam, you never know what will happen. You need the right coverage in place to protect you and your career. [...]

The Top 5 Malpractice Claims for Optometrists

Some of the most common claims against optometrists are easily preventable.  Read on to learn to protect your practice from malpractice claims and the risks associated with them. Avoid these Malpractice Claims for Optometrists Unfortunately, every practice is exposed to risk and has the potential of litigation brought against them. Some of the most common [...]

Natural Disaster Preparation for your Practice

No matter where your practice is located, you are at risk to experience a natural disaster. Luckily you can take measures to prepare your practice whether you’re in Florida worried about hurricanes, California concerned about wildfires or Texas troubled by tornadoes. While you hope a crisis never impacts your practice, a few natural disaster preparation [...]

The liability of not having the right liability

General Liability and Professional Liability Insurance language can be confusing. And while it’s not meant to cause anxiety and confusion, the terms, definitions and knowing what is actually covered can be frustrating. Let’s start with the basics of Professional Liability and General Liability. Professional Liability insurance is designed to cover you while you are carrying [...]

Claims-Made Versus Occurrence: Know Your Policy

Insurance can be confusing, but can be broken into two basic categories: claims-made or occurrence policies. It’s important to know which you have and the difference between these policies. Claims-made policies require a claim to be made against the insured—and reported to the insurer—during the policy period, or effective dates. Claims-made policies can also include [...]

The Language of Insurance

Words, terms and phrases to know before you buy Insurance comes with its own language and it can be confusing; making the process of buying insurance feel overly burdensome.  We want to ensure that you feel comfortable and confident in purchasing insurance as a practicing optometrist, and have outlined the most common terms you may [...]

Cyber Breaches Of Patient Records, HIPAA Regulations… And How To Protect Your Practice.

Cyber data breaches of information, a relatively new phenomenon, are in many ways uncharted territory, with healthcare providers a frequent target. Many optometrists feel they are “too small” for a cyber attack of any kind, falsely thinking because they are not a big box store or national brand that no one would bother with their [...]

7 Things Every Optometrist Needs To Know About Insurance Coverage.

Whether you’re a seasoned optometrist with 30 years of practice under your belt, or a newly minted professional just starting out, having the right liability insurance is essential. Every practice is different, with diverse coverage needs and circumstances. Here are a just a few of the questions medical professionals often ask the AOA Insurance Alliance [...]