Locum Insurance provides cover when accident, sickness or absence affects your business.
Protect your business
With so much pressure on staff, any absence can have a major effect. A clinician, partner or senior member of staff away for a few days or a week or two may be covered internally. However, if they were absent for several months, how would the business cover their sessions?
Aimed at GP practices, Locum Insurance is designed to quickly and easily cover the cost of hiring a Locum to fill GP absences. Our innovative 'Top Up' policy blends the benefits of the NHS Sickness Reimbursement and Locum Insurance. Practices can maximise the reimbursement payments for GP sickness and accident absence but rely on Locum Insurance to cover costs over and above the £1,751 per week reimbursement.
Business Overheads Insurance
Aimed at Dentists, Pharmacies, Opticians and Vets, Business Overheads Insurance is designed to cover the cost of hiring Locums and temporary staff, or extra hours worked by existing team members. It is also known as Practice Expenses Insurance, and may include in the benefit amount the appropriate portion of the practice’s fixed overhead for which the absent staff member is responsible.
Our expert advisers will help you choose the most suitable policy.
Whether you are a single-handed practitioner or work in a large, multi-partner practice, we have a policy to suit.
We offer a very flexible deferred period (also known as an excess period), which is the time before any benefit is paid. The longer the period, the lower the premium.