Specialist insurance products for your practice

Specialist insurance

Members have access to preferential rates on essential insurance services, delivered through our affinity partner Lloyd & Whyte.

Everyday insurance essentials Home insurance Travel insurance Property owners' insurance Motor insurance

For your practice Practice insurance Locum insurance Cyber insurance

Cyber insurance

What is a threat to optical practices? Fire, flood, theft? Perhaps.

But what about cyber attacks – the modern threat to a practice?

Could your retail business and eye care practice function without:

Email, online payment systems & patient management systems?

Healthcare systems are highly susceptible to cyber attacks because:

• They store confidential patient data
• Data loss or data hijacking can damage a practice’s reputation in minutes
• Optical practices are reliant on technology and 3rd- party software.

Arranging your cyber insurance with Lloyd & Whyte’s expertise can help provide:

• 24/7 UK response helpline
• Data restoration
• Ransom demands
• Legal fees.

For more information on how Lloyd & Whyte can help with your cyber insurance, please visit: www.lloydwhyte.com/commercial-insurance/cyber

Call: 01823 250 760

Cyber video

Practice insurance

Lloyd & Whyte provide practice insurance tailored to your optical practice and retail business. Their policies are comprised of core covers and additional covers:
core covers consist of:

• Contents insurance & stock cover
  This coverage includes seasonal uplift cover designed to automatically increase the level of your insurance at certain times of the year when you will be carrying more stock, for example, offering sunglasses in late spring

• Buildings insurance including tenants’ improvements
  This core component covers buildings, and fixed furnishings you have installed to enhance your optical practice ie fixed frame displays and cabinets, flooring, mirrors, and reception desk

• Public & employers’ liability insurance
  Employers’ liability insurance is a legal requirement if people help you run and manage your practice. This coverage can help cover any compensation claims and legal fees should an employee suffer from a work-related illness or injury. Public liability insurance covers legal fees and claims made against you should a member of the public suffer an injury or illness at your premises
  
  
• Business interruption
  If your practice must stop operating for a certain period of time, due to an insured event such as water damage or fire, business interruption Insurance would cover your financial obligations for the time you cannot continue running your business.

Practice insurance video

For a review of your optical practice insurance, please visit: www.lloydwhyte.com/optometrists/for-your-practice/practice-insurance/

Alternatively, please call: 01823 250 760

For further information, advice or if you need a quotation, follow the steps below.

Next steps

• Visit the Lloyd & Whyte Advice Zone for optometrists 

• Email [email protected] quoting Association of Optometrists and your membership number

• Call 01823 250 700 with your AOP membership number to hand

Lloyd & Whyte Ltd are authorised and regulated by the Financial Conduct Authority. Lloyd & Whyte Ltd is registered in England No, 03686765. Registered office: Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA. Calls may be recorded for use in quality management, training and customer support.

AOP is acting as introducer. If you have any queries as to the suitability of the provider or products shown you should seek independent financial advice. AOP receive a small commission for successful referrals.