Locum Insurance

Locum Insurance is a specialised type of cover designed to protect healthcare practices against the financial burden and operational risks associated with hiring locums. Locums are temporary staff brought in to cover for permanent employees who may be on leave due to illness, maternity, or other reasons. Given the critical nature of the type of care and service you provide, having a reliable locum available is essential for maintaining the continuity of care for patients and the smooth operation of your practice.

The term ‘Locum Insurance’ can be confusing. In this case, we use it to mean Staff Absence Cover. This is an insurance policy that supports your practice in the event of long-term staff absences, whether this be due to accident or sickness. ‘Locum Insurance’ was traditionally used to bring in a locum to cover staff absence. However, you can use the pay-out as you see fit, as long as it ensures that your practice can continue to operate smoothly in the event of key staff absences.

Employing a locum to cover staff sickness or absence can be expensive. Our tailored insurance solutions help cover the costs associated with hiring a locum. Staff Absence Cover through us differs from traditional Staff Absence Cover, by potentially enabling you to make a claim without having to provide details of your expenses; less hassle for you and this gives you the autonomy to use the pay-out (a pre- agreed financial benefit) however you want; whether this be to pay a for a locum, staff overtime or however else you see fit to ensure that your practice can continue to operate.

Locum Insurance can cover the costs associated with hiring a locum, ensuring that the practice is not financially burdened by the sudden need to bring in temporary staff. This is particularly important for smaller practices that may struggle to absorb the costs of locum cover without insurance.

Locum Insurance is a vital safeguard for your practice, ensuring that a temporary staffing solution is financially secure. This insurance enables your practice to maintain high standards of care and operational continuity.

It provides your practice with financial assistance if you or any other insured team member is unable to work.

Your practice is paid a weekly benefit if you (or another insured team member) can’t work.

Weekly benefits are available from £100 to £2,500, chosen by you.

No — there’s no need to prove medical history when arranging the policy, and it’s not medically underwritten.

No — there’s no need to prove expenses when claiming.

You can use claim payments as you see fit.

Traditional locum insurance policies offer reimbursement for certain costs associated with absent staff. This locum insurance is different: you select a weekly benefit and that’s exactly what you receive when you make a claim.

Yes — the policy will include pre-existing conditions, subject to policy terms.

You can read the policy overview, and for more details see the full policy wording.