Vista provides a comprehensive approach to the risk and exposures that optometrists face by offering One-Stop Shopping for all your insurance needs.
Professional Office Package
Designed expressly for your professional requirements, this coverage is intended to protect your property and that of your clients, your records and resource materials, and your information technology systems (including data loss and equipment failure) as well as your fee income on a billable-hour basis. Limits are available to satisfy virtually any requirement.
Your exposure to professional liability is far less than that of physicians, and yet rating agencies often include you in this high-risk group. Vista offers professional liability insurance that is specifically tailored to the potential risks of the optometric practitioner and includes this coverage in your professional office package. Our rates will compete successfully with any major underwriter with whom you have placed your professional liability in the past.
Based on your needs, you can be protected against liability incurred by your business partner(s) or under locum tenens, regulatory investigations, allegations of abuse or molestation, legal defense expenses and, where insurable, punitive damages.
You are insured for losses that occur during the policy period. Vista has in-house underwriting and rating authority for limits up to $5 million per occurrence aggregate. We can also arrange excess liability coverage to protect you in special circumstances where $5 million would not be sufficient.
Our Group Workers' Compensation Program is provided by leading workers' compensation underwriters.
Medical case management, utilization review, and cost containment procedures are closely followed to preserve the good experience of this group program.
Employment Practices Liability
This coverage is offered at attractive group rates with limits of $5 million to protect you from risks associated with hiring, managing, or terminating employees, including allegations of sexual harassment, discrimination, and violations of the Americans with Disabilities Act or Family Medical Leave Act. This coverage also includes third-party liability.
Medical: We offer a choice of quality medical insurance programs, including PPOs (preferred provider organizations), HMOs (health maintenance organizations), and POS (point of service) plans. PPOs and HMOs cover pre-existing conditions where there is certification of prior coverage. These programs can be tailored for groups of two or more individuals.
Dental: You can choose from various dental plan options that qualify as preferred providers or dental maintenance organizations. These plans pay a fixed dollar allowance for covered services.
Long-Term Care: Group long-term care coverage may be purchased as a tax-qualified policy with a group discount and a 50% second insured discount.
Life and Disability Income
Vista can obtain coverage to protect you and your business from the financial repercussions of the death or disability of a partner or another key person in your company. You can also be provided with disability income insurance to meet your business overhead expenses while you recover from an illness or injury. We can help you structure trusts, wills, estate planning or liquidity, second-to-die coverage, and other programs that are customized for your practice or your personal estate.
We can assist you in developing qualified retirement plans, including fund investment management, through a number of broker-dealers of mutual funds. These programs can be modeled as SEPs and Group IRAs, Money Purchase Pension Plans, ESOPs, or 401(k) plans. Your retirement program will include all necessary IRS filings and reports as well as enrollment and participant status reports.
Vista also offers insurance for homeowners; rental property; automobiles, boats, and recreational vehicles; life, disability income, and long-term care; and personal umbrella coverage. As you structure your personal risk management plan, you will receive the same proactive service and attention from our staff that you enjoy as a Vista business client.
Find Out More
To find out more about insuring your practice, please call Vista International Insurance Brokers at 1-800-819-8808 or email us at email@example.com.