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Locum Insurance for GP Federations

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

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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 and federation, 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 £1,751.18 per week reimbursement. 


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Our expert advisers will help you choose the most suitable policy.

If you work in a large, multi-partner practice, we have a policy to suit.

We offer a 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.

Key Features Include
  • NHS ‘Top Up’ Plan available especially designed to work alongside the BMA contract changes
  • £100k personal accident cover (depending on policy)
  • Group discount for three or more members on the policy
  • Cover for a variety of absences including; accident, sickness, mental illness, jury service, suspension while under investigation, revalidation and travel delay
  • Benefit-driven (receipts not always necessary to claim) or Indemnified (receipts required) policy options available
  • Protection against variation in health (depending on policy)
  • Maternity benefit of £5,000 paid as a lump sum
  • Paternity/adoption cover (with no excess period)
  • Compassionate leave cover (with no excess period)
  • Fit note cover
  • Travel to work provided (chauffeur/taxi costs) if you are unable to travel independently (depending on policy)
  • Phased return to work
  • Choice of deferred/excess period
  • Cover for staff under the age of 70


Renewal time comes around so quickly but it was a simple and easy process. Given lots of time to review the renewal policy and ask any questions, which were answered very promptly. The price is very competitive too! Great service from a very good company!
- Lilian Borrows, Practice Manager, Sullivan Way Surgery