Business Interruption Insurance: Your Financial Lifeline When Production Stops

What happens when your precision grinding equipment fails during peak season? Business interruption insurance replaces lost income and covers ongoing expenses when covered incidents force you to suspend operations.

Your eyeglass lens manufacturing depends on specialized, expensive equipment. When a critical machine breaks down, every hour of downtime can cost thousands in lost revenue and delayed orders. Our business interruption coverage ensures you can:

• Pay fixed expenses like rent, utilities, and payroll during shutdowns

• Replace lost profits from delayed orders and production gaps

• Cover temporary relocation costs if your facility becomes unusable

• Maintain customer relationships without devastating financial pressure

The average manufacturer loses $260,000 per hour during unplanned downtime. Don't let equipment failure destroy decades of hard work.

Product Liability Insurance: Essential Protection in a $62 Million Lawsuit Era

The eyeglass industry has seen massive liability settlements recently—Essilor paid $23.8 million for kickback schemes, while LensCrafters faced a $39 million class action over measurement accuracy claims. These cases highlight why product liability insurance is absolutely critical.

Your lenses directly impact vision and eye safety. Even with perfect quality control, allegations of defects can result in devastating lawsuits. Our product liability coverage protects against:

• Manufacturing defect claims from lens imperfections or contamination

• Design defect lawsuits challenging your lens specifications or materials

• Warning label disputes over inadequate safety instructions

• FDA compliance issues related to impact resistance requirements under 21 CFR 801.410

Manufacturing defects in eyewear can affect thousands of users. The average product liability claim exceeds $7 million—costs that would bankrupt most manufacturers without proper coverage.

General Liability Insurance: Comprehensive Protection for Daily Operations

Your manufacturing facility hosts suppliers, distributors, customers, and employees daily. General liability insurance protects against third-party injuries and property damage claims that could arise from normal business operations.

Key coverage areas include:

• Slip and fall accidents by visitors to your facility

• Property damage claims from delivery vehicles or equipment

• Personal injury lawsuits from advertising disputes or defamation allegations

• Medical expenses for immediate treatment of injured visitors

Even small incidents can escalate into major lawsuits. A simple visitor injury could result in medical bills, lost wages, and pain and suffering claims totaling hundreds of thousands of dollars.

Supply Chain Insurance: Protecting Against Modern Manufacturing Realities

Today's eyeglass lens manufacturing relies on complex global supply chains for specialized materials, coatings, and equipment. Supply chain disruptions from natural disasters, trade disputes, or supplier failures can shut down your production for weeks or months.

Our supply chain insurance covers:

• Alternative supplier costs when primary vendors become unavailable

• Expedited shipping expenses for critical materials and components

• Lost profits from production delays beyond your control

• Contract penalty protection when you cannot fulfill orders due to supply issues

The COVID-19 pandemic showed how quickly supply chains can collapse. Manufacturers with supply chain coverage maintained operations while others faced devastating shutdowns.

Why Choose The Allen Thomas Group for Your Eyeglass Lens Manufacturing Insurance?

20+ Years of Manufacturing Expertise: We don't just sell generic policies. We understand the specific risks facing eyeglass lens manufacturers, from FDA regulations to precision equipment requirements.

Smart & Easy Process: Our streamlined approach saves you time and money. We assess your actual exposures and create customized coverage packages built for your operations and growth plans.

Multi-State Coverage: We serve manufacturers across over 20 states, understanding regional regulations and market challenges that affect your business.

Claims Advocacy: When incidents occur, we fight for you. Our team handles paperwork, negotiates with insurance companies, and ensures you receive fair compensation quickly.