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.

Reasons to have Professional Liability Insurance

Professional Liability Insurance is critical in protecting you and your practice from the cost of certain legal fees, and judgments/settlements that you may face as a result of claims and litigation brought against you based on the advice or services you have provided.

While you hope you never have to report a professional liability claim, sometimes the inevitable happens. In the event a claim should happen,  Lockton Affinity is here to help. We’ll make the claim process as smooth as possible for all of our policy holders. 

Reporting Professional Liability Claims

As you report a professional liability claim, the timeline will vary depending on the claim and instance. However, the quicker you provide the required information and documentation, the faster your claim will be settled and you can get back to doing what you love.

  1. Contact your insurance company – At the first notice of a claim, lawsuit or potential claim, please contact Lockton Affinity as soon as possible. We will obtain the necessary information to get your claims process started.
  2. Claims adjustor is assigned – After you have filed a claim and completed all the necessary paperwork, a claims adjustor will be assigned within 1-2 business days. They will review your claim and interview you and any potential witnesses.
  3. Repair/payment issued – After the claims adjustor settles the claim, the appropriate party will receive payments.

Learn more about Professional Liability Insurance and the claim process from Lockton Affinity at

Coverage may not be available in all states and is subject to actual policy terms and conditions.  Coverage is provided by an excess/surplus lines insurer which is not licensed by or subject to the supervision of the insurance department of your state of residence. Policy coverage forms and rates are not subject to regulation by the insurance department of your state of residence. Excess/surplus lines insurers do not generally participate in state guaranty funds and therefore insureds are not protected by such funds in the event of the insurer’s insolvency.