Common questions about Ophthalmologists
Answering the most frequently asked questions about Ophthalmologists.
Do I need higher limits than a non-surgical practice?Gravity Certs2026-08-17T23:42:45-04:00
Generally yes. Surgical ophthalmology is rated well above medical-only practice, and excess limits are common.
Are patients injured after dilation our liability?Gravity Certs2026-08-17T23:42:44-04:00
General liability responds to premises injuries, and impaired vision post-exam makes falls a real exposure.
Is diagnostic equipment covered for breakdown?Gravity Certs2026-08-17T23:42:43-04:00
Only with equipment breakdown coverage. OCT and laser systems are high value and revenue-critical, and they fail internally rather than from fire.
Do we need separate coverage for the optical dispensary?Gravity Certs2026-08-17T23:42:43-04:00
Yes. Eyewear sales create product liability exposure separate from your clinical malpractice.
What are the highest-severity ophthalmology claims?Gravity Certs2026-08-17T23:42:42-04:00
Cataract and retinal surgery complications, and refractive surgery outcomes. Vision loss claims produce substantial damages.
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