The medical field is known for its unique perils. Doctors, nurses, physician assistants and others who work with patients are arguably more prone to law suits than any other professional. Malpractice suits, as well as errors and mistakes made while caring for or treating patients who are ill (or healthy) are the subject of daily newspaper headlines as well as insurance claims.
When it comes to doctors and other professionals treating vision and eye related problems, the risks abound. Like the general practitioner, psychiatrist, allergist, anesthesiologist, surgeon, cardiologist, emergency medicine specialist, endocrinologist and so on, the ophthalmologist, optometrist and optician needs professional liability coverage that is specifically designed to shield him or her from related lawsuits.
Each professional in the corrective eye care practice has identifiable risks according to tasks fulfilled.
What are they?
Ophthalmologist Professional Liability Coverage
First off, let us begin with the ophthalmologist. An ophthalmologist is a certified doctor that specializes in the treatment of eye disease, conditions and so on. The role played by an ophthalmologist carries many risks. Though, fortunately, these have been significantly mitigated as a result of recent technological advancements like laser surgery, insurance companies take liability exposure very seriously. Related coverage is written by means of the same standard coverage forms as any doctor, yet each one is rated according to the individual eye physician’s level of experience and specialty.
Next, we concentrate on the optometrist.
Optometrist Professional Liability Coverage
Also a medical doctor, the optometrist differs from the ophthalmologist in performance. Having earned his or her doctorate in optometry, also known as OD, the optometrist examines patients’ eyes for vision and health matters. Licensed to prescribe corrective medicine and general vision wear, the optometrist will send patients with more complicated problems to the more advanced care of the ophthalmologist. More often than not, the optometrist fits and sells eyeglasses as well as contact lenses. In various states across the country, an optometrist is licensed to perform minor surgery. Optometrists that grind and prepared lenses at their establishments need related insurance as well as professional liability coverage.
Finally, the optician comes into this write-up’s focus.
Optician Professional Liability Coverage
Unlike the ophthalmologist and optometrist, the optician is not a medical doctor. Trained in making and providing corrective eye glasses and contact lenses, the optician is likened to a pharmacist in relation to the necessary insurance protection. This type of professional liability policy covers the products the optician supplies in addition to malpractice and errors lawsuit shielding.
For more on the matter, speak to a qualified independent insurance agent that understands this industry’s unique risk exposure and associated indemnity protection.