The Hartford doesn’t offer ophthalmologist insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Ophthalmologist Insurance?
Ophthalmologist insurance is made up of different types of business insurance coverages designed to help protect you from various risks. It can help protect your practice from claims related to accidents, injuries or damages that happen while caring for patients, managing your team or traveling for work.
Although The Hartford doesn’t offer ophthalmologist insurance, we can help connect you with Tivly, so you can get the coverage you’re looking for.
Why Might You Need Ophthalmologist Insurance?
As an ophthalmologist, your work is integral to your patients’ quality of life, but no procedure is without risk. Whether it’s a complication from surgery, a data breach that exposes sensitive health information or a slip-and-fall accident in your waiting room, a single incident can cause major disruptions to your practice. Ophthalmologist insurance helps protect your practice, so you can focus on providing exceptional care.
Ophthalmologist insurance can help safeguard your practice against many potential risks, including:
- Lost revenue: An unforeseen event like a fire forces you to close temporarily, impacting your revenue.
- Commercial car accidents: You or your team get into an accident while traveling in a company-owned car for work, like when heading to a conference.
- Malpractice claims: A surgical complication or unexpected side effect leads to a lawsuit against your practice.
Who May Need Ophthalmologist Insurance?
Insurance coverage can help protect ophthalmologists in many specialties, such as:
- General ophthalmologists
- Cataract and refractive surgeons
- Retina specialists
- Glaucoma specialists
- Cornea specialists
- Pediatric ophthalmologists
Ophthalmologist Insurance Coverage
When it comes to protecting your eye clinic or surgery center, you’ll want insurance that matches your potential risks. Your business insurance policy can include coverages like:
General liability insurance to help protect your practice from claims that it caused bodily injury or property damage to others. For example, if a patient gets hurt in your parking lot or waiting area, this coverage can help pay their medical bills.
Workers’ compensation insurance to help support your employees as they recover from a work-related injury or illness. It can also help cover their lost wages if they need extended time off.
Commercial auto insurance to help cover the costs of an accident that occurs while you or one of your employees is using a company-owned vehicle for work. For example, if your office manager is picking up supplies and gets into an accident, this coverage can help pay for medical bills and repairs.
How Much Does Ophthalmologist Insurance Cost?
Although The Hartford doesn’t offer insurance solutions for your industry, here are the average costs our small business customers pay for common types of coverage:**
- Business Owner’s Policy (BOP): $1,687 a year, or $141 a month
- General liability insurance (GLI): $810 a year, or $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance (PLI): $744 a year, or $62 a month1
What you pay for insurance will vary because every business is unique. Insurance companies may base the cost of your coverage on different factors, such as:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- Coverage limits you select
The best way to find out your practice’s insurance costs is to get a free quote online through Tivly.
General Liability Insurance
“A patient tripped on a small ledge as they were leaving our office and later claimed it wasn’t properly marked. Next thing we knew, we were dealing with a lawsuit.”
General liability insurance helps cover claims that your surgery center or vision clinic hurt somebody else. It can help cover their medical bills or your legal costs if you get sued.
Water Contamination Coverage
“We were surprised to get a notice that our building’s water was unsafe to use. We had no choice but to cancel appointments and close for three days.”
Drinkable water coverage can help replace lost income if you must temporarily shut down your practice due to water contamination. It can also help cover your costs to buy bottled water in order to stay open.
Workers’ Compensation Insurance
“One of my techs slipped while setting up for a procedure and hurt her back. She needed treatment and had to take several weeks off to recover.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages if they can’t work.
Professional Liability Insurance
“A patient sued my clinic, claiming one of my surgeons misdiagnosed a cataract, and it caused additional damage to their vision.”
Professional liability insurance helps protect your practice from claims that it made a mistake in your professional services. It can help cover your legal costs, such as attorney fees, judgments or settlements.
Commercial Property Insurance
“A storm blew through and shattered our front windows, letting in rain that ruined our waiting room furniture. It took weeks to replace everything and get the office back to normal.”
Commercial property insurance helps protect your business' equipment, furniture and tools from loss or damage caused by events like storms, fires, theft or vandalism.
Lost Medicine Coverage
“We lost track of a shipment of medication, and by the time we found it, everything had spoiled. It was a costly setback, and we had to reorder everything right away to avoid disrupting patient care.”
Also known as spoilage coverage, lost medicine insurance helps cover the cost of spoiled or ruined products and supplies that need to maintain a certain temperature in order to stay useable.
Ophthalmologist Insurance That Keeps Your Future in Focus
Insurance coverage allows you to focus on what matters most – providing exceptional care to your patients. Get the coverage you need from Tivly.
Last Updated: April 23, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 Institute for Legal Reform, “New U.S. Chamber Study Shows Lawsuit System Costs Small Businesses $160 Billion,” viewed March 2025.
3 Insurance Information Institute, “Facts + Statistics: Product Liability,” viewed March 2025.
4 Kroll, “Current Trends in Property Insurance Valuation,” viewed March 2025.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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