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OMIC, the Ophthalmic Mutual Insurance Company, has exclusive rights under U.S. and foreign copyright laws. Unless otherwise indicated, all materials on these pages are copyrighted by the Ophthalmic Mutual Insurance Company. All rights reserved. No part of these pages, either text or image may be used for any purpose other than personal use. Therefore, reproduction, modification, storage in a retrieval system or retransmission, in any form or by any means, electronic, mechanical, or otherwise, for reasons other than personal use, is strictly prohibited without prior written permission.


This online information is published by OMIC, the Ophthalmic Mutual Insurance Company, a risk retention group, for educational purposes only. It is intended solely to provide general information on a number of medical, legal, and insurance issues. It is not intended to constitute medical, legal, or other professional advice and should not be relied upon as a source for such advice. If such advice is desired or needed, a doctor, attorney, insurance or other professional should be consulted.

OMIC makes all reasonable efforts to provide content that is accurate and reliable as of the date of writing. Changes may be made to the information upon which the content is based, and these changes may or may not be incorporated into the content of this website. OMIC may amend the content of this website at any time, without notice. OMIC maintains archives of its previously published materials. Such materials will not be updated even if information changes. For example, if OMIC updates its underwriting requirements for refractive surgery, it will not update a previously published article on the subject. For questions concerning insurance documents, such as the policy or Bylaws, please reference the documents in effect for the applicable time period, which are posted on OMIC’s website or can be requested via email at omic@omic.com. The content of this website could also include technical inaccuracies or typographical errors. If you find any errors or omissions, we encourage you to report them by e-mail to omic@omic.com.

OMIC gives no assurance or warranty, expressed or implied, regarding the accuracy, adequacy, completeness, legality, or reliability of any information on its website. The information is provided “as is.” All warranties of any kind, express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, freedom from contamination by computer viruses, and non-infringement of proprietary rights, are disclaimed.

Six reasons OMIC is the best choice for ophthalmologists in America.

Leader in the industry.

A-rated by AM Best, OMIC is consistently ranked among the top malpractice insurance companies in America for financial stability. No other carrier has matched OMIC's consistent financial performance with regard to both combined, operating, and surplus ratios, the most relevant financial measurements for an insurance carrier.