The OPP® is a unique program of insurance designed for optometrists with coverages included for their specific practice and business needs - at competitive rates.

• Professional and General Liability Protection
• Property Protection
• Worker's Compensation
• Optional Coverages such as

  Employment Practices Liability Flood Coverage Builders Risk

  Bonds Umbrella Coverage Disability and Business Overhead

Our comprehensive programs and exclusive agents can help you avoid the costly duplication or gaps when making insurance purchasing decisions.

Professional Liability Protection

Protects you and your employees for "malpractice" claims arising from your professional duties.  Your corporation or partnership can also be added to the policy. Coverage can extend to locations where you work as an independent contractor.

• Professional Liability limits available on an Occurrence form. (limits begin at $1 million Occurrence / $3 million Aggregate)
  

General Liability Protection

Protecting you if someone slips or falls on your premises, for example. Here are some other scenarios:

• Hired / Non-owned Auto
• Personnel and Advertising Injury
• Products Hazard / Completed Operations
• Medical Payments
• Fire, Explosion or Water Damage Liability

Property Protection

Your unique needs for such property as:

• Buildings owned
• Contents - equipment, displays, stock, treatment rooms, office contents, patient records
• Loss of Business Income (up to 12 months)
• Extra Expenses
• Business Autos owned
• Computer, Media and Data
• Signs
• Accounts Receivables
• Valuable Papers
• Employee Dishonesty
• ERISA Compliance - Fiduciary Liability
• and much more, depending upon your unique needs
  

Worker's Compensation

• Medical Expenses, Salary Continuation, Disability Benefits, Death Benefits for your employees, as mandated by state law, if injured on the job.

Optional Coverages are also available