Optometrists

PROPERTY COVERAGES

Business Income & Extra Expense*

Computer Coverage

Included in the Business Personal Property (BPP) Limit plus $40,000 Computer Equipment and $10,000 Data Restoration*

Employee Dishonesty* - $25,000

Equipment Breakdown Coverage extends coverage on your Building and Business Personal Property to include loss from mechanical breakdown, steam explosion, artificial electrical disturbance and breakdown of steam or hot water vessels and piping.

Fine Arts included in Business Personal Property limit plus $25,000.

Identity Recovery Coverage provides expense reimbursement and Case Management Services when your identity or the identity of one of your employees is stolen.
$15,000 Annual Aggregate
$250 Deductible for Expense Reimbursement

Lock and Key Replacement
$1,000 Included
$50 Deductible Per Occurrence

Money, Securities & Credit Cards*
$25,000 Inside Premises
$10,000 Outside Premises

Outdoor Signs - Included in Business Personal Property Limit; $250 Deductible

Water Backup & Sump Overflow - $25,000

LIABILITY COVERAGES

Employment Practices Liability protects you against claims of discrimination, wrongful termination or harassment and other types of work-related discrimination.
$100,000 Aggregate Limit

Hired Auto & Non-Owned Auto Liability Coverage is included when you do not have a separate Commercial Automobile policy. It provides liability coverage for hired or non-owned autos used in your business that are leased, hired or borrowed.

OPTIONAL COVERAGES

Data Compromise Coverage provides expense reimbursement and Case Management Services when personal data of your customers, such as credit card information or social security numbers in your custody is lost, stolen or inadvertently made public.
$50,000 Annual Aggregate
$1,000 Deductible Per Event

Employee Benefits Liability Coverage provides coverage for damages resulting from negligent acts, errors or omissions relating to administration of your employee benefit program.

Professional Liability provides coverage for rendering or failing to render professional optometric services. Limits apply separately to each optometrist employed in your business.

*Option to increase. Please contact us at 607-843-8860 or insurance@drickardinsurance.com for more details.

All prices, programs, features, underwriting, offers, representations and companies shown in this site are subject to change without notice. We may add or discontinue a company or program or an insurer may change underwriting criteria or product line availability without notice to us. With the insurance industry constantly changing we may not be able to keep the site up with the latest information. For the up to date info please contact us. All insurance applications are always subject to current underwriting rules, acceptance of the insurer and adequate premium paid.