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These establishments are medical centers where ophthalmologists perform vision-correcting surgeries using a cornea-shaping laser. Ophthalmologists may perform laser eye surgeries within their clinics, where other optical services such as eye exams and fittings and sales of contact lenses and eyeglasses are also provided.

General Liability Insurance for Laser Eye Surgery Centers – Premises liability lawsuits rarely occur at laser eye surgery centers, but customers could become injured if the center is not kept clear of obstacles or if lighting is not adequate. All furniture should be stable and in good condition. Floors should be vacuumed and swept daily as part of a good housekeeping routine. In addition, lawsuits could arise if equipment is not sterile and causes illness in patients or if visually impaired patients are not escorted to secure recovery areas following LASIK surgery.

Professional Liability (Errors and Omissions) Insurance for Laser Eye Surgery Centers – Professional liability risks are a big concern for laser eye surgery since medical mistakes during LASIK surgery could result in serious harm to a patient’s eyes. If ophthalmologists and other employees are not properly licensed or trained, or if surgery is not closely monitored, there is a high risk of a medical error occurring.

Workers’ Compensation Insurance for Laser Eye Surgery Centers – The primary Workers’ Compensation risk for laser eye surgery centers is diseases transmitted from patients to workers. The risk is especially high if workers are not careful about sterilizing equipment or wearing gloves and masks. Additional workers’ compensation risks for laser eye surgery center employees include trip and fall hazards and repetitive motion injuries.

Property Insurance for Laser Eye Surgery Centers – The risk of property loss at laser eye surgery centers is light. Valuable items that could potentially be lost, however, include office furniture and surgical equipment. If a fire occurs, smoke could cause severe damage to sterile equipment. Designated persons should be responsible for calling 911 and for instructing fire department personnel upon arrival as to the location of electrical cut off switches and sensitive equipment.