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Take a new look at opticians insurance

The Retail Mutual is dedicated to providing a specialist alternative to traditional insurance for the independent retail community. Run by retailers for retailers, we exist to help give you peace of mind and are passionate about protecting the independent retail businesses on our high streets.

Looking For Opticians Insurance?

Are you looking for opticians insurance? Do you need cover for your stock and contents? Do you have commercial premises to protect? Are you in need of liability cover to protect yourself, your employees and your customers?

With so many providers on the market and so many cover options to choose from, it can be hard to know where to start when searching for opticians insurance.

That’s where we can help. The Retail Mutual offers an alternative to traditional insurance, dedicated to helping the busy independent retailers on our high streets. Our experienced team will listen to your needs and present you with a range of cover options to protect you, your business, your staff and your customers against the unexpected.

What types of opticians do we cover?

  • Individual opticians shops
  • Small opticians chains and multiple units
  • Start-ups and established stores
  • Contact-lens shops
  • Sunglasses shops
  • Dispensing opticians
  • UK-wide

Opticians Cover Options

The Retail Mutual aims to provide comprehensive, cost-effective opticians cover with a focus on our Members’ individual needs. Our experienced agents are here to help, providing expert assistance both before you buy and throughout the lifetime of your cover. We pride ourselves on the quality of our claims handling, with every case dealt with on a case-by-case basis by our experienced claims handlers at our UK-based service centre.

  • Public liability cover – provides you with legal protection in the event of a claim against you, for example if a customer is injured on your premises  
  • Employer’s liability cover – a legal requirement for any business employing a member of staff
  • Business interruption cover – provides you with cover for loss of profit and employees’ earnings, as well as provision for interim payments when it matters, to help keep your business afloat
  • Buildings cover – protects your commercial premises, including your fixtures and fittings, in the event of loss or damage
  • Stock and contents cover – gives you peace of mind that your stock and contents are protected in the event of burglary, loss or damage
  • Tools & equipment cover – protects against theft or damage to your diagnostic and assessment equipment
  • Accidental damage cover – for those incidents that simply can’t be helped

The Retail Mutual Cover Benefits Include

  • No admin fees or cancellation fees
  • Fast-and-easy claims service
  • Up to £500k Business Interruption cover
  • Public Liability cover up to £5 million
  • Buildings cover up to £5 million
  • Stock and contents cover
  • Money and personal accident cover
  • Flexible limits to suit your needs
  • Accidental Damage and Fixed Glass cover as standard
  • Interest-free payment plans
  • Dedicated UK-based call centre
  • Up to £10 million Employer’s Liability cover

Call us today on 0333 2121 280 or complete a quote request here

Business Cover

Specialist business cover exclusively for retailers

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Liability Cover

Protecting your customers, employees and the public

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Home Cover

Because there’s more to life than work

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Landlord Cover

Protection for residential landlords

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Mortgages

Find your ideal home loan at a competitive price

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Term Life Cover

Protecting your home and family

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Critical Illness Cover

Peace of mind when it matters

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