What would you do should one of your employees be absent long-term?
If one of your dentists or another employee in your dental practice such as a receptionist was injured or fell ill, how long could you keep going, and how easily could you source a locum?
At Lloyd & Whyte, we provide dentist locum insurance as a pre-agreed amount paid directly to your practice. It can be used to fund the cost of locum cover for private/NHS dentists, and the pay out you receive can be used in ANY way you want, including:
- Paying for cover for dentist sickness/absence (for example, a locum)
- Paying for staff overtime
- Any extra admin costs
How does dental locum insurance work?
The dental practice locum insurance we provide means we have an option where your medical history does not need to be disclosed when arranging your policy, and you won’t need to prove your expenses should you need to make a claim (i.e. collating receipts and invoices). You can even make multiple claims under the same policy.
What does dental locum insurance cover (sickness, accident, maternity)?
The Dental Locum cover we can provide can cover a wide range of circumstances and situations, including:
- Sickness & accident (including back or neck pain)
- Mental health & stress
- Maternity & paternity leave
- Bereavement
- Family emergency
Does cover include suspension or jury service?
Yes, absolutely! Dental practice Locum policies through us can cover your practice in the event that an employee named under the policy is called up for jury service or suspended from practice.
Claim examples for dental practice locum cover
The following example of a client of ours who was covered for three separate claims in less than 12 months is an example of how a benefit-driven Dental Locum Insurance policy arranged by us can significantly help your practice remain afloat in times of unforeseen circumstances.
- In September 2023, a dental practice made a claim for ‘Family Emergency’ (additional benefit) following the person named under the policy having to take leave due to their husband undergoing chemotherapy. They received a settled payment of £8,000.
- In October 2023, the same dental practice made a claim for ‘Sickness’ due to time off with sepsis, kidney issues and Type II diabetes. They received a settled payment for £38,239.
- In May 2024, a claim by the same practice again, under ‘Sickness’, following a required operation to resolve cataracts, resulted in a settled payment of £14,000
The three claims above totalled £60,239 and were paid out to the client (practice) over a less than 12-month period.
What other benefits can you enjoy with Lloyd & Whyte insurance?
We can provide flexibility so that you can place multiple people with different levels of cover on your coverage and tailored to your practice’s requirements and budgeting.
We can offer Locum cover on a benefit-driven basis, meaning you will need a medical sick note, but unlike an Indemnity policy, you won’t have to prove the financial loss incurred by your practice.
What are the benefits?
There are a multitude of benefits for this insurance. As well as covering locum or interim staff salaries, it can also pay the running costs of your business – a type of dental practice overheads insurance.
It allows your practice to maintain continuity of patient care, preventing cancelled appointments and retaining the trust of patients. It also supports your practice’s financial health, helping sustain income during challenging times. By easing the costs of temporary cover, Dental Locum Insurance reduces financial strain, supports contractual and NHS obligations, and reassures both staff and patients that services will continue without disruption.
Lloyd & Whyte® Ltd are authorised and regulated by the Financial Conduct Authority. Registered in England No. 03686765. Registered office: Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA. Calls may be recorded for use in quality management, training and customer support.
