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Optical Goods Stores
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Insurance For Optical Goods Stores

Optical goods stores provide products to customers to help with their eyesight. Some stores provide goods and supplies to optometrists and other commercial enterprises instead of selling direct to consumers. Regardless of how your optical goods store is structured, it’s important for you to protect it from everyday risks and hazards. Without the right types of business insurance coverage, you could be at risk of losing everything. Here is an overview of your business insurance needs:

General Liability

General liability insurance protects your optical goods store and its customers. When problems arise, such as unexpected accidents or defective products, a general liability policy can pay damages and legal fees so that your store doesn’t have to. This insurance grows with your company so that new products and store locations are protected automatically when you add them. A few of the primary features of general liability include:

optical good store business insurance
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General Liability Insurance Includes:

Business Owners Policy

Business owners policies (BOP) include general liability while providing your optical goods store with tangible asset protection. A BOP can be tailored to meet the specific needs of your store, so that you are not paying for business insurance that you don't need. Coverage options include:

Business Auto

When you or your employees drive for your optical goods store, you need to protect your company from potential losses with a business auto insurance policy. This pays for bodily injuries and property damages that are caused by an auto accident. Additional levels of coverage allow you to protect yourself from losses due to theft, fire and other potential events.

Workers Comp

Workers comp insurance protects your store employees if they ever have an accident on the job. When job-related accidents and injuries occur, workers compensation will pay for the employee’s  medical bills and related recovery expenses.

Commercial Umbrella

Umbrella coverage provides you with an extra layer of protection, by providing additional coverage above the limits of your other business insurance policies.

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Insurance Products

General Liability (CGL) Workers Compensation Professional Liability Business Owners Policy Commercial Auto Insurance Employment Practices Liability Directors & Officers (D&O) Excess Liability Surety Bonds

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