Professional Liability Insurance& Product Liability

FODO INSURANCE

STATEMENT OF OPTICAL COVER

The FODO insurance is designed specifically to meet the professional indemnity and legal defence needs of optical practices, optometrists, opticians and their staff in the UK and Republic of Ireland. The FODO insurance has been providing reassurance and peace of mind to the optical sector and patients for over 25 years.

Professional Liability insurance& Product Liability

Professional liability and product liability cover is provided

for all member practices, their professional and non-professional staff (on an unnamed basis)*
in respect of legal liability for death, injury or disease that occurs in the testing of sight, the dispensing of eye wear or other professional duties carried out by registered optometrists, ophthalmic medical practitioners and opticians, or staff working under their supervision
on a claims occurring basis which (uniquely in optics) means there is no need for run-off cover if a person leaves the scheme.

Indemnity levels: £5m per incident

£5m in aggregate per year for product liability

* includes persons undertaking study, work experience or pre-registration training or on secondment to a School of Optometry and carrying out normal professional duties

Legal Defence

Legal defence is provided to all members practices, optometrists and opticians in the UK in respect of

any disciplinary investigation by the General Optical Council, NHS Commissioning board, health board, professional association
action in a civil court for an alleged breach of discrimination legislation (eg on grounds of gender, race, disability, age, religious belief, political opinion, sexual orientation)
statutory notice served under the Health and Safety at Work Act 1974
claims under the Data Protection Act and compensation awards under the Act
other party’s costs resulting from the above circumstances where the insured is held liable by a relevant court.

Indemnity levels - £250,000 per incident and in aggregate per year

An excess applies on all claims

Support and Advice

Insurance cover is backed by our exclusive, bespoke advice service underpinned by legal and defence experts at one of our specialist law firms. Please contact Hannah Girling at .

Where a claim involves both an employer and an employee Chinese Walls and total confidentiality apply. Separate defence teams are instructed, from separate solicitors firms, for each party unless otherwise agreed.

Other Options

Hearing care insurance is also offered. Please contact us for details.

We also provide wider insurance options to meet members’ and practitioners’ needs (eg spectacle replacement insurance) on a bespoke basis.

For further information, support or advice please contact Hannah Girling at or 44 (0) 207 – 298 - 5149

199 Gloucester Terrace, London W2 6LD Tel: 020 7298 5151 Email: