For a doctor of optometry, comprehensive malpractice coverage can be helpful beyond paying the high cost of legal fees and judgments—it can help protect you and your practice from the stress of handling a claim alone.

Lockton Affinity’s AOA-endorsed Malpractice insurance coverage was developed with hands-on involvement by doctors of optometry.

Even with endorsed coverage from a trusted partner, it is normal to have questions about malpractice insurance, such as:

  • How much does malpractice insurance cost?
  • Who should carry malpractice insurance?
  • Are there different types of malpractice insurance?

To help doctors of optometry, we gathered answers to these common questions and more.

Questions Doctors of Optometry Frequently Ask About Malpractice Insurance

  • What does malpractice insurance cover?
    • Malpractice insurance offers coverage that protects you if a lawsuit is filed against for the services you provide.

Lockton Affinity offers additional coverage for lost income, administrative defense and employee work, plus scope of practice coverage with specific language to help ensure you’re always covered under your state’s scope of practice, no matter when or how it changes.

  • Is professional liability the same as malpractice insurance?
    • Malpractice insurance is also known as professional liability insurance or errors and omissions insurance.
  • When is malpractice insurance required?
    • Malpractice insurance is required by law for those practicing in the field of optometry. It helps protect you and your practice from the stress of handling a claim alone, as well as the high cost of legal fees and judgements.

If you partner with one or multiple optometrists, you can purchase a group malpractice policy. The group policies can be customized to offer shared or separate insurance limit structures to best fit your needs.

If you do not partner with other ODs, an individual policy will help ensure you’re covered for the full scope of procedures you perform.

  • Who should carry malpractice insurance?
    • All practicing ODs should carry malpractice insurance.

Individuals who work at a group practice may want their own individual policy, as employer coverage may not protect you from personal risk. You may still be personally liable for a plaintiff’s award or settlement, and as a result, all or part of a plaintiff’s award or settlement.

Where you practice, the limits of coverage you select, the number of years you have practiced and the number of hours you work per week can all affect the cost of your coverage.

See what Lockton Affinity’s Malpractice insurance will look like for you by answering just six questions.


Malpractice Insurance Support from Lockton Affinity

More questions about Malpractice insurance? Explore additional frequently asked questions here or get the answers you need from Lockton Affinity’s dedicated team today at (888) 343-1998 or