Locum insurance

Why do you need a locum insurance specialist?

We are the appointed insurance brokers to hundreds of doctors, dentists, and associated healthcare businesses throughout the UK. We recognise that our clients’ needs are continually evolving and so have created a suite of insurance products designed specifically for the medical and dental professions.

Our service has been created to cater for the needs of today’s busy practices. Whether you’re a doctor, dentist or practice manager, our wide-ranging policy can be tailored to suit the individual needs of your practice and includes cover for:

  • Immediate
    Both our locum insurance and practise expenses insurance benefits are payable immediately after a claim is accepted so you are covered when you need it the most.
  • Extensive cover
    You can’t control everything. We can provide expenses insurance to cover you if you are unable to work for any reason including sickness, accidents, delayed return from holiday, jury service and more.
  • Knowledge
    We have a range of experts who work within the healthcare industry so understand the risks to your business. We can tailor our policies to suit your needs.

How our specialist locum insurance experts can help you

We offer specialist advice and guidance for the care sector to ensure your business is properly protected. We can help you insure your business to cover what matters most and those who matter most to you. With a range of specialities across the team, we are in place to help.


Need expert advice? Call the care team now, or complete our online form and we’ll call you.

Locum expenses for GP practices

Our locum expenses policy provides financial benefit following accidental injury or as a result of sickness which prevents an insured person from returning to work. Cover is available for partners, salaried GPs, practice managers and other key practice staff either on an individual or group basis. We also offer discounts where three or more people are covered under the same policy.

Practice expenses cover

Many healthcare professionals have some form of insurance to cover loss of personal earnings in the event of injury or illness. You also need to cover the cost of rent, business rates and finance such as hire of equipment, salaries and other routine practice overheads irrespective of your state of health. Practice expenses cover is designed to meet these costs in the event that you are unable to work through accidental injury or as a result of sickness.

Free for all care clients

All our Locum and Practice Expenses clients benefit from valuable, free services from our professional advisers:

 • CQC compliance and guidance - phone consultation to support you with compliance and best practice principles in relation to the Care Quality Commission, subject to conditions. 
 • Tax and legal guidance - initial phone consultation with expert business partners. 

Efficient claims service

Should the worst happen and you need to make a claim, our specialist care claims team will be on hand to manage the process from claim through to settlement with minimum disruption to your day-to-day activities.

We can advise and negotiate claims for you. We also work with insurers closely to ensure outstanding claims are managed efficiently and reserves are challenged. Where necessary, we are able provide our clients with claims data and highlight trends and opportunities for risk management intervention.