Group Malpractice Insurance Policies for Optometrists

July 22, 2021
Get to know the basics of group malpractice insurance policies for optometrists.
Group of five doctors in white coats smiling with arms crossed.

When seeking malpractice insurance coverage, doctors of optometry can choose to purchase individual policies or join with other doctors in their practice on a group policy. Get to know the basics of group malpractice insurance policies for optometrists:

Group Policies

If you practice in a group with a total of two or more optometrists, you can acquire a group malpractice insurance policy. Some employers, for example, may provide malpractice insurance coverage for the ODs within their practices. In a group policy, the policy limits are shared by the doctors, and sometimes qualify for discounted policy premiums.

Because the limits in a group policy are shared, your group may choose to select a higher limit of liability for your policy. A higher insurance limit can help ensure that each participant is covered, even in the event that one or more claims is filed during the policy term.

Some group policies will also have an option for separate limits. With separate limits, each doctor listed under the policy will each have their own coverage, and any claims made by other doctors in the practice will not impact the coverage available to you.

AOA members can receive a malpractice insurance quick quote in less than thirty seconds from AOAExcel’s endorsed malpractice insurance provider, Lockton Affinity.

This content was provided by Lockton Affinity, AOAExcel's strategic partner. Available insurance products include professional liability, cyber liability, business owners' insurance, employment practices liability insurance, and much more. To learn more, visit or contact Lockton Affinity at

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