Trusted business insurance for FODO members

When you run your practice, you want to focus on what matters – your patients and your team. Time is a luxury when you run your own business. Marsh Commercial can help you get a quick quote and empower you with the information you need to make the right choice for your practice.

Owning an optician’s business can be a challenge. It means managing risks continually while aiming to provide an excellent service to your customers. We understand the delicate balance needed in your daily operations, knowing that accidents can happen despite your best efforts.

We secure quotes from A-rated UK insurers specialising in insurance for optician and audiology practices. We can tailor the policy to suit your needs, ensuring your coverage aligns with the risks your business faces. Whether protecting your equipment, stock inventory and premises or ensuring your staff and customers’ safety, we can arrange comprehensive coverage that helps to provide peace of mind.

Standard covers

• Employers liability.
• Public and product liability.
• Stock and contents insurance.
• Business interruption.
• Accidental damage.
• Book debts/accounts receivable.
• Glass.
• Money in safe (if applicable).
• Money on premises.

Optional Covers

• Buildings cover.
• Embedded breakdown.
• Goods in transit.
• Legal expenses.
• Loss of rent receivable.
• Increased cost of working.
• Subsidence.
• Tenants improvements.
• Terrorism.

Your requirements may be more specific and fall outside the usual areas that general insurers typically provide cover for. In that case, we can access our broad range of niche and specialist insurers to provide a quotation. Specific areas include:

• Premises with flat roofs.
• Risks with high sums insured.
• Proposals that have had large claims (including fire or flood).

Small business support

As a leading insurance broker specialising in protecting SMEs, we offer many additional services to help your business be even more resilient in a changing market.

• Business continuity planning: A business continuity plan (BCP) contains critical information your business needs to continue operating during an unplanned event. We can help you develop a distinct BCP through predefined activities – including business impact analysis and recovery strategy development.
• Health and safety: We can help improve your approach to health and safety and ensure compliance with legal and regulatory requirements. We offer:
  • Health and safety analysis.
  • Competent person support.
  • Mock trials.
  • Safety culture surveys.
  • Training courses.
• Property valuation: Is your property underinsured? We can ensure your building/s are insured for the correct amount with easy, affordable and professional solutions with our rebuild cost assessment.