Malpractice, business owners & cyber liability insurance

You can practice with the peace of mind that both you and your practice are protected with insurance policies administered by AOAExcel^® 's endorsed business partner, Lockton Affinity. 

Malpractice Insurance

Malpractice insurance, also known as professional liability insurance, is offered through our endorsed partner Lockton Affinity. Through Lockton Affinity, you gain access to guaranteed full-scope practice coverage that will automatically update to reflect any change in your state's scope of practice. AOA members in groups of two or more can also receive exclusive group discounts.

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Business owners policy

Protect your office and its contents with a business owners policy specifically designed for AOA members. 

PROTECT YOUR OFFICE

Cyber liability insurance

Hackers can do a number on your website and your data, costing you countless dollars in lost business and fines. Protect your practice and your good name with cyber liability insurance specifically designed for AOA members and administered by Lockton Affinity.

PROTECT YOUR REPUTATION 

Employment practices liability

Employment Practices Liability Insurance (EPLI), administered by Lockton Affinity, will protect you and your practice from the costs stemming from claims associated with the employment process. EPLI claims can happen when potential, current or former employees believe they have been mistreated. 

PROTECT YOUR PRACTICE

AOAExcel Resource Updates - Malpractice, Business Owners & Cyber Liability Insurance

Visit the AOAExcel Resource Updates page for additional Liability Insurance resources and columns.

	Practice Owners: Know Your Liability - the Differences Between Professional Liability, General Liability, and Business Owner's Insurance
	Is My Scope of Practice Covered Under My Malpractice Policy? 5 Common Exclusions in Optometric Malpractice Insurance Policies
	7 Essential Questions Every Optometrist Should Ask Their Employer About Their Group Malpractice Insurance Policy

Complimentary insurance policy review

Follow these three easy steps below to obtain a complimentary insurance review from Lockton Affinity: 

1. Locate  your policy packet document. It can be found in your email and was sent from your insurer when you purchased your policy. 
2. Upload your policy packet document (this document is typically in excess of 30 pages), sample policy packet documents can be found in the PDFs below. Many doctors confuse this with their certificate of insurance which is usually only a one page document. 

Sample of an individual policy packet
Sample of a group policy packet 

If you have further questions please contact a Lockton Affinity representative at 1.888.343.1998, M-F, 7 a.m. to 6 p.m. CT. 

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The AOA Insurance Alliance is administered by Lockton Affinity, LLC d/b/a Lockton Affinity Insurance Brokers LLC in California #0795478. Coverage may be provided by an excess/surplus lines insurer which is not licensed by or subject to the supervision of the insurance department of your state of residence. Policy coverage forms and rates are not subject to regulation by the insurance department of your state of residence. Excess/Surplus lines insurers do not generally participate in state guaranty funds and therefore insureds are not protected by such funds in the event of the insurer’s insolvency. The American Optometric Association will receive a royalty fee for the licensing of its name and trademarks as part of the insurance program offered to the extent permitted by applicable law.