Locum Insurance for GP & Dental Practices

Staff absences can be an unplanned disruption and heavy expense for GP and dental practices. The costs involved of hiring a locum incurs generous fees that can damage your surgery's financial wellbeing.

With locum insurance you can protect your practice should you, your partner(s) or staff be unable to work due to sickness or injury.

Unlike income protection which covers for the loss of earnings, locum insurance (or practice absence insurance) gives you peace of mind knowing that the smooth running of your surgery is maintained, with all your business expenses and temporary staff requirements appropriately and promptly paid for.

What is the Excess Period?

Normally, locum insurance has an excess period. This is the initial period at the start of the contract which is not covered by the insurance policy.

Its duration is determined by the practice agreement or period for which you and your business partner(s) are happy to cover any staff absentee costs. The longer the excess period is, the lower the premium.

Like all insurance, whilst it's not an essential requirement for a GP or dental practice, there are many benefits to practice absence insurance. In addition to the financial assistance it provides should locum services be required, it is also a business expense that can be offset against tax.

Practice Absence Insurance with Legal & Medical

At Legal & Medical, we can help you weigh up the pros and cons of locum insurance and find the most competitive contract, at the right price, from the whole market of providers.

To find out how we can help you cover your day-to-day business expenses if the unexpected happens, contact us today or email This e-mail address is being protected from spambots. You need JavaScript enabled to view it