Locum/Practice Expenses Insurance provides cover when accident, sickness or absence affects your business.

Locum / Practice Expenses Insurance

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?

Locum Insurance

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, new '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 £1,734.18 per week reimbursement. 

MIAB has designed and launched a new, ‘Top Up’ Locum Insurance


Practice Expenses Insurance

Aimed at Dentists, Pharmacies, Opticians and Vets, Practice Expenses 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 Business Overheads 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.