Request a quote for locum insurance onlineGet a quote
What does locum insurance cover?
We can provide cover for one or all of your employees depending on the needs of your practice, just talk the team through your specific requirements. In most cases we don’t need to know the age or detailed medical history of your staff but please be aware one of our policies does ask for details.
Our policies are designed to return you to the same financial position you were in before a staff absence. You can claim up to £3,000 per week (depending on your policy) for the cost of locum cover if a staff member is off sick. See our table below for more details. Please be aware, claims made in the first three weeks from your policy inception will not be covered.
We will renew your policy regardless of your claims history with us. This difficult-to-find policy feature means that even if you have made a claim with us during the period of insurance, you can be sure will be offer you renewal terms when the time comes. Enjoy peace of mind knowing you’ll always be able to find cover.
|Locum cover is available for:|
|Accident or illness anywhere in the world||•|
|Winter sports injuries||•|
|Jury service, family illness, adoption and paternity leave||•|
|Pregnancy related illness||•|
We understand the obligation to your patients and how costly a locum can be when faced with an unexpected staff absence. Our policy leaves you to make the decisions regarding how best to serve your community and our personable approach offers expert advice at every step from quoting - to claiming - to reviewing and renewing.
We have delegated authority which means we can handle your claims direct from our office on behalf of the insurers. Keeping the claims process close to home means our in-house team can respond quickly and pay out even quicker.
With a sudden illness amongst your staff, finding cover becomes a matter of urgency. We endeavour to respond to all initiated claims with 24 hours, giving you peace of mind and assuring the continuation of your practice.
Call us or email us with; your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.
We’re here to help so call us on:
Read more from Towergate:
Nominations are now open to celebrate unsung heroes across the care industry. If there is someone you know who goes over and above, now is your chance to say thank you – let them know they are appreciated and nominate now! Read on for more information and to make nominations.
We explore the evolution of nurses uniforms throughout history and the significant changes that lead us from Florence Nightingale’s conservative dresses to today’s more practical unisex scrubs.
Your cover will not be reduced, restricted or removed as a result of making a claim or deterioration in health of any insured member.
Our policy provides 24/7 cover worldwide covering a wide range of activities. If your staff's hobbies and activities are more adventurous than tennis or football, just let us know as we can cover most activities from scuba diving to aviation.
Our locum insurance policy provides 'cover assurance' which means we guarantee you a renewal regardless of your claim history or situation.
If a member of staff returns to work within 26 weeks of an absence and the same condition re-occurs, the same claim can continue with a nil week excess period.
Yes, we are very happy to support a partial return to work. For example, if a GP undergoes surgery and could only return for two sessions per week, instead of 6 sessions, the policy allows you to claim for the 4 sessions that need to be covered.
Yes, as care industry experts we can also provide cover for vets, pharmacies, dentists and opticians for practice overheads and more.
Also known as an excess period, this is the period of time after which you will start receiving money from your insurance policy. For example, a 30 day excess period means you have chosen for your staff to be absent for 30 days before you are eligible. Zero excess/nil deferment period means you will receive payment from the day absence began.
A waiting period relates to the statutory 3 week period just after inception of a locum policy, rather than the period the staff need to be off.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.