Locum insurance

Have you considered how your clinic would cope without you, or another member of staff?

Whether longer opening hours are required, a locum is employed or appointments are postponed, absent staff put financial strain on the clinic.

Locum insurance for chiropractors offers support in such circumstances. Should you or a member of your team be unable to work due to illness or injury, the insurance will pay a weekly benefit direct to the clinic.

Locum Insurance for chiropractors

  • More flexible than a traditional locum insurance policy
  • Weekly benefits from £100 to £2,500, chosen by you
  • No need to prove expenses, know exactly what you will receive
  • Use claim payments as you see fit
  • Not medically underwritten

Traditional locum insurance policies offer reimbursement for certain costs associated with absent staff. However, with proof of expenses required and sometimes only 80% of the total cost paid, you may not receive all you expect.

Locum Insurance is different. You select a weekly benefit when arranging the policy and that’s exactly what you receive when you make a claim. You don’t have to prove your expenses, and you can use the money however you see fit.

The policy will even include pre-existing conditions, subject to policy terms. For more information, please see full policy wording.

Read our Locum Insurance Policy Guide for more information about how the policy works and the benefits and exclusions.

What’s the difference between locum insurance and income protection?

It’s easy to get locum insurance and income protection confused. Both policies provide financial support during illness or injury but there’s one key difference between the two.

Locum insurance – pays the benefit to the practice owner, so this policy can help with the cost of employing a locum to cover the sick or injured person’s absence.

Income protection – provides financial support to the individual who is unable to work.

Request a quote now or call us on 01823 250760 today.


You might also be interested in…

Many of our clients find these related products & services useful:

Practice Insurance Related Products            


BCA Insurance Services is a trading name of Lloyd & Whyte Ltd.