Vicarious liability insurance

Information and FAQs on our complimentary vicarious liability cover for optical business owning members

Optometrist at work

Vicarious liability

Vicarious liability refers to a situation where someone is held responsible for the actions or omissions of another person. In a workplace context, an employer can be liable for the acts or omissions of its employees. 

Employers and business owners benefit from vicarious liability cover as part of their AOP membership, subject to meeting the terms and conditions of the cover as set out below.

Frequently asked questions

1. Why do I need vicarious liability cover for my business?

An example of vicarious liability could be where a patient chooses to pursue a clinical negligence claim against the optometrist themselves or against the business that employed them - or indeed, as often happens, both the optometrist and the business.

It is also possible that an allegation of medical malpractice may be made against another member of staff such as a dispensing optician (DO), clinical assistant or receptionist, and again the patient may choose to proceed against the business - as lay members of staff will not usually have medical malpractice insurance the patient would realistically have to take the case against the business.

2. I'm an AOP member, is my practice covered for vicarious liability?

Yes, as long as all of the optometrist owners (this includes a sole proprietor, partners, shareholders and directors) of the business and all optometrists who are employed or engaged as locums are AOP members, your practice is covered under medical malpractice (clinical negligence) policy.

3. Do my DO employees also need to be members?

No, only the optometrist owners and optometrists working for you need to be members in order to benefit from the vicarious liability cover.

4. Is my practice covered for the work of the DOs?

Yes, provided all optometrists are members, the vicarious liability covers claims against your business for the work of anyone on the practice team, include DOs and unqualified staff under supervision.

5. Is my practice covered for the work of locums?

Yes, as long as the locum optometrists you engage in your business are also AOP members, your practice is covered for their work. It is a requirement of your GOC contract to ensure that all optometrists have current insurance.

6. If I engage a locum and a claim comes in relating to their work after they stop working for me, will my business be covered?

Yes, as long as your business continues to meet the requirements outlined above, your business will be covered for this claim.

7. What if an optometrist employee leaves and a claim is notified to my practice relating to an incident while they were employed by me - is the claim going to be covered?

Yes, as long as all optometrist owners and current optometrist employees continue to maintain their AOP membership, the vicarious liability cover for the practice will remain in place. This will cover the claim relating to an act of a past employee even if the optometrist in question has subsequently stopped being an AOP member.

8. What if none of the owners are optometrists?

If none of the directors, shareholders or partners are optometrists, we offer Lay Practice Owner membership. This category of membership is available (at an annual fee) as long as all employed and engaged optometrists are AOP members and will ensure the business is covered for any incidents that may arise relating to the work of any of the employees or locums.

9. What if I, as I as a business owner, cease to be AOP member

Should you cease being an AOP member, you will continue to have individual cover for any claims arising relating to your work while you were a member. Retroactive cover for your business/practice will be required from your new provider.

Summary of conditions

All optometrist owners of the business must be AOP members

Owners are:

  • Sole proprietors
  • Partners
  • Directors
  • Shareholders

For the avoidance of doubt, partners, directors or shareholders who are not optometrists do not need to be AOP members as long as all optometrist owners are AOP members. See above if there are no optometrist owners.

All employed or locum optometrists who work for the business need to be AOP members

If after leaving your business, they subsequently stop being AOP members the business' vicarious liability cover would not be affected provided the business continues to meet the requirements outlined.