Locum Insurance

How can we help your practice?

Insurance is just one way our team can support you and your business.
It’s our job to manage your risks to protect your business, your staff, and the patients you care for.

  • Simplicity
    We understand the pressure you’re under every day and do everything we can to ensure your insurance options are presented simply, expertly, and impartially.
  • Experience
    Recognising every care provider is unique; our care team offers a wealth of experience, takes a long-term view, and tailors your solution to your specific needs.
  • Protection
    We do our due diligence upfront, and a huge amount of work behind the scenes with our panel of insurers, to ensure the cover you have in place is just right for you.

Our health and care advisers

Our team has decades of experience in the healthcare sector. We recognise every business is unique, and offer our advice and guidance to help you protect your complex world.

We offer a range of services to help you reduce risk and adapt to your ever-changing world, so you can provide amazing experiences to your patients.


Locum insurance - what's covered?

A standard locum policy is designed to provide financial benefits following your incapacity due to accidental bodily injury or sickness. In addition, the following extensions including cover for: 

  • Jury service.
  • Maternity benefit.
  • Family emergencies.
  • Bereavement leave.
  • Suspension.
  • Adoption leave.
  • Paternity benefit.

The cover is available for GP partners and also for salaried GPs, practice managers and practice nurses, and can be provided either on an individual or a group basis. Premium discounts are available for three or more people covered under the same policy.

Surgery insurance

We are proud to work with doctors, dentists and healthcare practices across the UK, providing solutions for the evolving needs of the medical and dental professions.

Cyber liability

Cyber security in the health and care industry has been a growing concern over the past few years. We can advise on a solution for your business.

Management liability

Also known as directors and officers insurance. An individual pursuing legal action could put a company director at risk of being held personally liable – putting their livelihood at risk.

Free for all locum insurance clients

All our locum insurance 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. 

Frequently asked questions

What is GP locum insurance for surgeries?
Locum insurance for GP surgeries and practices protects you in the case of an accident, sickness or absence that affects your business.
Does my healthcare practice need employers liability insurance?
Yes. Under the Employers’ Liability (Compulsory Insurance) Act, all organisations that have staff are required by law to have Employers' Liability Insurance.
When do I need to get employers liability cover for my healthcare practice?
You require employers' liability cover from the day your healthcare business starts employing staff. From the moment you have any person to whom you are responsible, whether paid or not, you are at risk of legal action. To qualify as "staff" a person does not have to be paid or under contract to you. It includes any person to whom you have a legal duty of care. This means that sometimes even sole traders will need employers' liability insurance.
What is the minimum cover I need to have in place for my healthcare practice?
The level of cover required is dependent on many factors and we would need to assess the requirements of the business and make recommendations based on the information provided. There are also other factors that can dictate the level of cover needed, such as the types of people you are caring for or local authority requirements to meet the terms of the contract.

How much public liability insurance will I need?
The level of cover you need is related to the amount of risk faced by your business. Cover can be anywhere from £2 million to £10 million or beyond. The minimum value could be dictated by the clients you work with, or local authority contracts you have tendered for.