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Does doubling your malpractice insurance limits double your premium?
Does doubling your malpractice insurance limits double your premium?
May 5, 2026
Many doctors of optometry assume doubling their malpractice insurance limits means doubling their premium, but that’s often not the case. Learn why higher limits may be more affordable than expected and what doctors of optometry should consider when reviewing their coverage.
Key Takeaways
- While increased coverage may be more cost-efficient than expected, not every doctor will need higher limits to be adequately protected under their policies.
- AOA members can receive a complimentary policy review from AOAExcel’s endorsed malpractice insurance provider, Lockton Affinity, to help determine if their selected limits are appropriate to provide the protection they need.
- To test how different limits will affect premiums, use Lockton’s Malpractice Quick Quote Tool for an instant quote.