British & Irish Orthoptic Society

The British and Irish Orthoptic Society provides Medical and Professional Public Liability insurance for all eligible members resident in Great Britain, Northern Ireland, Channel Islands, Isle of Man and the Republic of Ireland as a benefit of membership. Members should ensure the cover is adequate for their needs, details of which are available from the product information downloads on this page, or on request. Members can also apply to the society for evidence of insurance certificates.

Limits insured
  • Medical Professional Liability insurance – £2.5 million limit in respect for any one claim with an overall aggregate limit of £5 million for all claims in respect of each member in any one period of insurance
  • Public Liability insurance – £5 million limit for any one occurrence

What’s covered by your BIOS membership policy?

  • The cover only applies to activities undertaken within the scope of orthoptic practice
  • Qualified members must be legally registered to practice with any statutory regulatory body where applicable
  • Students, assistants and support workers must comply with the conditions relating to supervision and delegation
  • Overseas cover is included up to 180 days per annum. Restrictions apply to activities in Australia, the USA and Canada
  • Please refer to the Coronavirus Diseases Exclusion which applies to the Public/Products Liability policy. This is detailed on the last page of the Public Liability Master Policy Schedule
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Optional insurance

  • The PLI Scheme is designed to offer members protection against clinical negligence claims, within the limits insured. Settlement values continue to escalate and members will be responsible for any claim exceeding the current PLI limit of £2,500,000. A top-up facility is available under the Medical Professional Liability Policy to members wishing to increase their own personal level of protection under the PLI scheme as follows.

    Limits Insured

    1. £5,000,000 any one claim with an overall limit of £5,000,000 for all claims in any period of insurance (inclusive of costs and expenses)
    2. £10,000,000 any one claim with an overall limit of £10,000,000 for all claims in any period of insurance (inclusive of costs and expenses)

    Retroactive Date

    The increased limit will apply to activities undertaken from the start date of the top-up cover resulting in claims notified during the period of increased cover


    Applicants must be current BIOS members entitled to PLI cover within their membership status

    Activities Cover

    Only work within the BIOS scope of Orthoptic Practice is insured

    Expiry Date

    30th June each year to coincide with the members PLI Scheme

    Key Exclusions

    Treatments for certain professional footballers. Please refer to the Policy Wording for full details of the Policy Terms, Conditions and Exclusions.

    To Purchase

    • Please complete & submit the application via the portal
    • Cover cannot commence until the Application has been approved and payment received (if applying after 1st October please contact us for details of the reduced premium)
    • Please read the documents contained in the Downloads section before proceeding
  • If you offer orthoptic services via a partnership, a private limited company or other legal entity, Corporate Medical Liability insurance can give you comprehensive cover for your whole organisation.

  • If you are operating a private clinic, you can insure your practice’s equipment and revenues under a comprehensive package of cover which also includes Employers Liability, Public Liability, and a range of valuable Legal Expenses Insurance.

  • Access our client portal using your existing login details to review your policy documents.