Originally published in December 2019. Updated November 2025. 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 for key coverages like [...]
Originally published on August 4th, 2016. Last updated on June 17, 2024. As a doctor of optometry, it's important to know which types of coverage are available so you can make the best choice to protect yourself. Read on to learn about an important coverage distinction available to optometrists — claims-made or occurrence coverage. [...]
5 Tips to Improve Hiring Practices for Optometric Support Staff to Reduce Employment Practices Claims Hiring and retaining quality optometric support staff can be a challenge. Candidate pools may be limited, recruiting resources may be low and finding the time for the hiring process is tricky. A competitive job market can make things even harder, [...]
With your Malpractice insurance from Lockton Affinity, you will select a limit of coverage. There are multiple options and nuances with limits, and it can help to have a basic understanding to select the best limit option for your situation. An insurance limit, or limit of liability, is the maximum amount the insurance company will [...]
While rare, most malpractice claims allege negligence on the part of the optometrist and a failure to adhere to the standard of care that results in an injury to the patient. A poor outcome, even when an optometrist has done everything correctly, can be interpreted by a patient as negligence. Common malpractice claims include: Failure [...]
While the transition to a group practice is an exciting opportunity for doctors of optometry, it is important to understand the risks associated with malpractice insurance coverage for group practices. Risks of maintaining separate malpractice insurance Doctors of optometry know that malpractice insurance is required in order to practice. However, if you allow each [...]
Lockton Affinity partnered with the American Optometric Association more than a decade ago to meet the complex insurance needs of doctors of optometry. Developed with hands-on involvement by ODs, our policies and services meet the many nuances required of ODs and their insurance. Read on to learn more through our frequently asked questions. Questions [...]
Choosing an insurance company to protect you and/or your practice can feel overwhelming. There are a multitude of companies on the market, they all want your business, and it can be difficult to distinguish amongst them. When buying your business insurance, it can be helpful to follow these guidelines to ensure you select the best [...]
As you progress in your career, your insurance needs will change. From recent graduates to retirement, Lockton Affinity provides access to a variety of insurance policies that can help safeguard you, your family and your practice throughout it all. How Your Liability Insurance Needs May Change: You Join the Workforce Recently graduated? As you [...]
As your malpractice insurance comes up for renewal, it’s natural to wonder if you might be able to get a better deal, coverage or customer service. But as a doctor of optometry, switching malpractice insurance can seem to be particularly daunting. Does the new policy fully protect me? Does it protect my future? How do [...]