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Products for LMC Buying Group members

Protect your business with Locum Insurance

With so much pressure on staff, any absence can have a major effect. Up to a few weeks may be covered internally, but how would the business cover sessions if a GP’s absence stretched over a period of months?

Locum Insurance is aimed at GP practices, and 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 but rely on Locum Insurance to cover costs over and above the £1,751 per week reimbursement.

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Cover for your practice and reassurance for you with our Surgery Insurance

Running a GP practice is unlike most other businesses, with a unique set of challenges. We’ve designed a Surgery Insurance policy to cover a range of risk, such as:

  • Medical
  • Commercial
  • Staff
  • Liability
  • Equipment

As experts in medical insurance, our Specialist Insurance Advisers are on hand to answer your questions and discuss the most appropriate policy for your needs.

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Malpractice cover for you, your business and your employees with our Indemnity Insurance

You’ve worked hard to get to where you are and, in an age of easy-access litigation (or threat of litigation), you want to take steps to avoid the immense costs involved in defending a legal action. Without medical malpractice insurance, you run the risk of being exposed to many liabilities, such as:

  • Misdiagnosis
  • Neglect
  • Bodily Injury
  • Mental Injury
  • Duty of Care
  • Error or Omission
  • Good Samaritan Acts

With Professional Indemnity costs soaring, getting value for money is crucial. We offer a range of personal and commercial indemnity and liability insurance products to cover the costs of various actions:

Professional Indemnity Insurance

We offer professional liability cover for a range of healthcare professionals.

The policy covers the cost of compensating clients and service users for loss or damage resulting from negligent services or advice provided. 

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Pharmacists in General Practice Indemnity

We have designed a new, fit-for-purpose insurance policy aimed specifically at pharmacists in general practice.

It provides appropriate levels of cover for all duties and activities undertaken by Senior Clinical Pharmacists and Clinical Pharmacists.

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Management Liability

This policy is designed to help ensure you have cover in place to protect your practice from risks it commonly faces, such as NHS clawbacks; CQC inspection problems; employment, partnership and shareholder disputes; and official investigations.

Find out more | Get a quote

Employment Practices Liability

This policy ensures your business is covered against claims made by existing and former employees.

It entitles you to expert legal help in the event of an investigation or claim made against you, and more.

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Cyber Liability and Data Insurance

IT systems and the Internet are an integral part of running a business, but could you cope with the effects of a cyber crime or systems failure?

This policy covers the losses relating to damage to, or loss of information from, IT systems and networks, and is a must-have protection.

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Personal Protection – covering your family

When was the last time you reviewed your personal protection policies, like Income ProtectionLife InsuranceCritical Illness Cover and Private Medical Insurance? Circumstances change but your policies may not reflect them. Let MIAB take a look and see how quotes compare.

MIAB also offer HomeContents and Travel Insurance to match your lifestyle, and Landlords Insurance to cover your property investments.

Contact us to find out how we can add value to your practice and personal protection.

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Key Features

    Locum Insurance

  • Group discount for more than three members on the policy
  • Accident and injury cover
  • Anxiety/stress/depression cover
  • Maternity benefits of up to £5,000
  • Compassionate leave cover (with no excess period)
  • Surgery Insurance

  • Key person absence cover
  • Medical and Electrical equipment breakdown, including specialist, diagnostic and IT equipment
  • A low £100 excess on the majority of claims
  • Business Interruption cover for costs incurred and lost revenue - with cover provided bespoke to your business exposure
  • Full personal accident cover for all employees
  • Indemnity Insurance

  • Cover for individual clinicians, practice groups and federations
  • Contractually-reliable protection, enforceable at law and regulated by the FCA
  • Vicarious Liability to protect against the actions of employees
  • Cover for 'distressed' clinicians, those refused by MDOs or working Out of Hours
  • Minimum £10m limit of indemnity
  • Medico-Legal helpline


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

Approved Partner