Small Business Insurance That is Competitively Priced and That Provides the Gold Standard in Protection in 3 Fast and Easy Steps

• Get instant online Quick Quote premium indication in about 3 minutes.
• Request phone call from experienced insurance agent to finalize your formal proposal.
• Accept proposal and your coverage confirmation may be emailed in minutes.

These establishments service people who wear corrective lenses by giving eye exams, filling prescriptions and fitting and selling glasses and contact lenses. Optical goods stores are staffed by opticians and optometrists who may fill prescriptions given to customers by other eye care professionals. Lens grinding may take place on-site. Sunglasses, non-prescription glasses, cases for glasses and corrective lens cleaners may also be sold.

General Liability Insurance for Optical Goods Stores – All display units in an optical goods store should be sturdy to prevent tip over injuries. Glass counters should be free of defects and sharp corners to prevent cuts. Signage should indicate to customers that it is not safe to lean or sit on glass counters. Merchandise, such as glasses, should be easily accessible to customers to prevent falls. Floor coverings should be clean and free of obstructions.

Workers’ Compensation Insurance for Optical Goods Stores –All employees of an optical goods stores should know the proper techniques for lifting boxes or moving inventory to prevent back injuries. Keeping all walkways clear and assuring that all display units are secured properly will further reduce the risk of an employee fall or related injury.

Business Auto Insurance for Optical Goods Stores – Use of company owned vehicles should be restricted to business related errands only. If employees use their own vehicles to conduct optical goods store business, they should have clean driving records and carry a minimum amount of Personal Auto insurance coverage. All drivers should be aware of acceptable driving practices and abstain from using any substances that would impair their ability to drive.

Property Insurance for Optical Goods Stores – Fire is a concern of any retail store location, and the risk can increase depending on the nature and construction of adjoining businesses. Electrical systems in an optical goods store should be up to date and check regularly. Heating and air conditioning units should be properly located and kept in good working order. HVAC fans should be set to automatically disengage in the event of a fire to reduce the circulation of smoke and flames.

Crime Insurance for Optical Goods Stores – Employee theft at an optical goods store can be better prevented if procedures require separate employees to coordinate activities in order to complete certain tasks. A division of duties allows for a check and balance where one employee can’t steal without being in collusion with another employee. Employees should be trained on how to observe and react to robberies or potential robberies. Cash registers should be located away from entrances. Employees should be trained to not resist the demands of robbers.