Business Overheads Insurance
Cover for overheads associated with absence — including rent, utilities or hiring locums and temporary staff. Tailored advice for Pharmacists.
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What this cover does
Business Overheads Insurance provides much-needed cover when accident, sickness or other absence affects your practice.
It can help fund hiring a locum, temporary staff, or extra hours worked by existing team members, as well as ongoing practice overheads depending on the policy selected.
Our advisers help you choose a benefit level and deferred period that balances premium with the financial impact of a longer absence.
Typical protection includes
Exact cover depends on the insurer and policy selected — your adviser will confirm what is right for you.
- Financial support during clinician or key-person absence
- Help covering locum and temporary staffing costs
- Options suited to single-handed and multi-partner practices
- Flexible deferred (excess) periods that affect premium
- Advice on how cover interacts with NHS sickness reimbursement where relevant
Why choose MIAB?
Sector specialists
Advisers who understand healthcare practices, not generic commercial brokers.
Named support
You deal with people who know your practice — not an anonymous call centre.
Plain English advice
We explain options clearly so you can make confident decisions.
Part of Benefact Group
Proudly part of a charity-owned group that gives available profits to good causes.
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Common questions
How is this different from Locum Insurance?
Locum Insurance is typically focused on GP locum costs and NHS reimbursement top-up. Business Overheads Insurance is broader cover for practice costs and absences across professions such as dentistry, pharmacy, optometry and veterinary practice.
Get Your Free Quote
Takes less than 2 minutes. No obligation.