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01 - Practice Property
Building improvements, finishes, frames inventory, dispensary stock, signage, and contents. Coverage is scoped to the clinic's actual footprint and tenant improvements, not a generic retail template.
Optometrist Insurance
Coverage built around the clinic, the chair, and the practice.
An optometry practice isn't a storefront and isn't a clinic in the hospital sense, it's both. Cherry's commercial brokers put property, equipment, liability, and cyber coverage together around how the practice actually operates.
Independent broker since 1945·Six offices province-wide
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02 - Equipment Breakdown
Phoropters, OCT units, auto-refractors, slit lamps, and other clinical equipment. Electronic and mechanical breakdown coverage helps when a key instrument goes down mid-week, with higher-value items scheduled individually.
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03 - Commercial General Liability
Third-party bodily injury and property damage arising from operating the clinic, including slip-and-fall, premises, and operations exposure. Limits and endorsements are tuned to how the practice actually runs.
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04 - Professional Liability
Optometric professional liability (malpractice) is typically placed through specialty markets, subject to underwriting. Your broker will review the scope of practice and place coverage that fits.
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05 - Business Interruption
After an insured loss, business interruption coverage helps replace lost revenue and pay the extra expenses of keeping the practice operating. Limits and indemnity periods are set against the clinic's actual numbers.
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06 - Cyber & Privacy
Patient records carry real privacy exposure under PIPEDA. Cyber and privacy coverage for incident response, notification, and ransomware events may be available depending on systems and underwriting. Talk to a broker about the right structure.
A clinic policy that reflects how the practice actually works.
Single-doctor practices, associate-led clinics, multi-location groups, dispensary-heavy storefronts, each one carries a different mix of property, equipment, liability, and privacy exposure. Cherry's commercial brokers work through the specifics and place coverage with markets that understand healthcare practices. One broker on your file, real conversations, no call-centre runaround.
Get your clinic's coverage reviewed before renewal.
OPTOMETRIST INSURANCE FAQ
Questions optometry clients ask us most.
Most clinics carry a combination of practice property, equipment breakdown, commercial general liability, business interruption, and cyber and privacy coverage. Optometric professional liability is usually placed separately through specialty markets. A Cherry broker will review the practice and put the right combination in place.