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Practice Expenses Insurance

Practice Expenses Insurance provides cover when accident, sickness or absence affects your practice.

Protect your practice

With so much pressure on clinical and practice staff, any absence can have a major effect. A clinician away for a few days or a week or two may be covered internally. However, if they had to be absent for several months, how would the practice cope having to cover their sessions?

Practice Expenses Insurance is aimed at DentistsPharmaciesOpticians and Vets and 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 or 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.

The policy pays the sum insured for as long as the insured person remains unable to work (up to a maximum of 50 weeks), and receipts are not always necessary for claims to be paid.

Bespoke Policies

We have a choice of schemes, all underwritten on a combination of individual absence and medical history, to allow us to recommend a plan best suited to your needs.

With certain policies some insurers will also not restrict, reduce or decline cover at renewal of Practice Expenses Insurance as a result of any valid claim made under this policy or due to notification of a variation in health of an insured person.

How much do you really know about Practice Expenses Insurance?

We’ve highlighted key considerations and explained common pitfalls in this article about Practice Expenses Insurance to help you better understand how to choose the correct policy.

Read more

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.

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Key features include
  • £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, 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

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