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08/23/2018

How to choose the right malpractice coverage

Malpractice coverage

Malpractice insurance, or professional liability insurance, is an essential component in every Doctor of Optometry’s business portfolio. The right coverage will provide protection for the full range of treatments you offer, so you can focus on delivering excellent patient care without worry. Our insurance program administrator, Lockton Affinity, recommends you look for these three features when evaluating a malpractice policy:

  • Comprehensive protection: A comprehensive policy will cover you for the full range of services permitted in Michigan’s scope of practice, without common procedural exclusions that are considered “surgical.” Not sure if your current policy offers comprehensive coverage? Click here to request a complimentary policy review.

  • Lasting coverage: There are two types of professional liability coverage available: claims-made and occurrence. Claims-made policies only provide coverage if the policy is in effect both when an incident took place and when a claim is filed, while occurrence policies provide coverage for any event that took place while the policy was in effect.

  • Savings: Premiums can vary significantly among providers, so it pays to shop around and compare rates. MOA members can receive a quote in seconds with no contact information required by clicking here


The malpractice insurance administered by Lockton Affinity provides guaranteed full scope of practice occurrence coverage with automatic updates, and no surgical exclusions. For more information on AOAExcel’s program with Lockton Affinity for MOA members, visit.


The AOA Insurance Alliance program is administered by Lockton Affinity, LLC d/b/a Lockton Affinity Insurance Brokers, LLC in California. Policy benefits are the sole obligation of the issuing insurance company. The American Optometric Association may receive a royalty fee for the licensing of its name and trademarks as part of the insurance program offered to American Optometric Association members.

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