Practice Risk Solutions

Welcome to the Optometry Practitioner Liability Insurance Program


We are committed to delivering information and resources to you as this situation evolves. Please review the following material, and more will be posted in the coming weeks.

Parting Ways – The Right Way: Terminating the Client Relationship
Virtual Health Care Services – Ensuring Continuity of Care
The Law Governing State of Emergency
Volunteer Liability During Public Health Emergencies
Returning to Practice during Covid-19
Crisis Management During the COVID-19 Pandemic
Ethical Issues for Regulated Health Professionals in the Era of COVID-19
Considerations when Resuming Practice

Our team is here to support you as best we can, please connect at

Financial Relief: The Federal Government has introduced a range of measures to support Businesses and Individuals during this time. Please visit for more information. 

Available exclusively to members of the Canadian Association of Optometrists, the Optometry Practitioner Liability Insurance Program offers a full range of coverage specifically designed to meet your practice risk needs. Coverage options include protection for professional liability, commercial general liability, cyber security and privacy liability and clinic related exposures.

As the exclusive and official insurance program endorsed by the Canadian Association of Optometrists (CAO), members receive protection that is designed by members, for members, and supported by your association. With expert service and support on your side, new risk resources and best-in-class legal defence, our new program is better designed to suit your professional needs. Join over 1,700 participating members and take advantage of the most comprehensive and cost-effective insurance protection for your practice available in Canada today.

Which Plan is Right for You?

I am a:

  • Optometrist - Independent Contractor

    (Billing under your own business name; no other health professionals billing under your business name)

    • Individual Professional Liability
    • Business Package
    • Commercial General Liability
    • Clinic Package – if you have valuable contents / stock
    • Cyber Security & Privacy Liability
  • Optometrist - Employee

    (Billing under your employer's business name)

    • Professional Liability
    • Cyber Security & Privacy Liability coverage
  • Optometrist - Business Owner
    • Professional Liability
    • Clinic Business Package
    • Clinic Professional Liability
    • Building Coverage – if you own the building where you operate
    • Cyber Security & Privacy Liability coverage
    • Employment Practices Liability

Why is This Plan Right for You?

Insurance exists to pay claims. Choosing to purchase coverage available exclusively to members ensures you receive best-in-class protection without the tough-to-find limitations commonly found in non-group insurance products. Members can be confident in CAO’s proactive diligence and leverage to ensure that the legal and insurance service providers supporting the program are held accountable. CAO and BMS Group are committed to delivering member value through risk mitigation strategies, including education and resources designed to protect Doctors of Optometry and their patients.