Commercial Insurance for Optical & Ophthalmic Businesses

About Optical Instruments & Ophthalmic Goods Insurance

Optical and ophthalmic businesses carry product liability for precision optical instruments and vision correction products, along with professional liability if optometric services are provided and the standard property and workers comp needs of a manufacturing or retail operation.

Business Insurance Brokers places commercial insurance for optical instrument manufacturers (SIC 3827), ophthalmic goods producers and wholesalers (SIC 3851), and optical businesses across our 9-state service area. Both are our carrier classes. We build programs covering product liability for optical and vision products, commercial property, workers comp, and professional liability if your business provides optometric or vision services.

Key Coverages

Unique Risks & Coverage Considerations

Optical instrument manufacturers face product liability for precision instruments used in medical and scientific applications. Ophthalmic goods businesses face product liability for vision correction products. Professional liability applies if optometric services are provided.

As an independent broker, we shop the entire commercial market — including specialty and surplus lines carriers that write difficult-to-place risks. Our carrier markets rates many of these classes as Preferred, meaning consistent underwriting capacity and competitive pricing. We present you with the best available options for your specific operation, location, and loss history.

States We Serve

We place commercial insurance for California businesses in Los Angeles, San Francisco, San Diego, Sacramento, San Jose, Fresno, Long Beach, Oakland, Bakersfield, Anaheim and statewide — alongside our existing markets in Washington, Oregon, Idaho, Nevada, Arkansas, South Dakota, Pennsylvania, Texas, Indiana, and California.

Why Choose Business Insurance Brokers?

We are 100% focused on commercial insurance — no personal auto, no homeowners policies, no distractions. That means deeper expertise, stronger carrier relationships, and better outcomes for your business. When you work with us, you get a dedicated commercial broker who understands your industry.