Locum Insurance

Sickness and absence cover for your practice. Individual and group policies available.

  • Cover for a variety of practices and medical businesses, including GPs, dentists and vets
  • A range of policies, so you can choose a policy that meets your individual needs
  • Claims up to £25k handled by our in-house claims team

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0330 123 5264
0330 123 5264

Weekdays 8.30am - 5.30pm
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What can we cover?

GP Locum

We offer a range of products for GP practices, taking into account the market and specialist requirements. We know that recent changes made by NHS England to the General Medical Service (GMS) Statement of Financial Entitlement means that you may be able to claim back reimbursement for some of your GP absence costs, but this may not meet all your needs and you may also wish to cover other members of the practice team who are just as important in its’ running. We have liaised with the BMA to understand the scheme and designed a policy that responds to the changes. Talk to our team about your options to ensure you have the right absence protection for your practice.

Dentist Practice Benefits/Overheads

We understand that dental surgeries can have different requirements when it comes to managing staff absence. While it may not be as important to bring in cover for appointments when a dentist is absent, the financial implication of not being able to provide treatments can be significant, especially for extended periods of absence. This is why we provide cover that is not based on costs incurred through providing cover, but rather protecting the overheads of a practice while a member of the team is absent.

Vet Practice Benefits

When a member of your veterinary practice is absent, it can bring a certain amount of stress and disorganisation to your business. Whether because you have contracts to fulfil and therefore need to bring in cover, or because you simply can’t provide your service for a period of time, it can be difficult, especially financially. Our Practice Benefits option does not require you to show us how you’ve covered your overheads during this period, we simply pay you a weekly benefit, that you can choose, until your member of staff is back at work.

Other Medical Professionals

In addition to GPs, dentists and vets, our experience in the medical insurance industry means we can also support opticians, osteopaths, chiropractors and pharmacists with our range of staff absence products. Whether you are looking for protection simply to provide cover for sickness and accident; or for a wider range of reasons for staff absence including jury service and suspension, we can provide a solution for you. Speak to our specialist medical team today.

Locum Insurance Claims

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.

Need to make a claim?

We’re here to help so call us on:

01438 739 731

Locum Insurance Articles & Guides

Read more from Towergate:

Managing Staff Absence In Your Practice News Image


Managing Staff Absence in Your Practice

Statistics from the CIPD show that staff absence levels have dropped in the public sector. However, staff absence is still a concern. Read on to find out more about staff absence and the methods used to address the issue.

Finalists And Winners


Welcome to the Towergate Care Awards 2017

On 23rd March 2017, the Towergate Care Awards culminated in a ceremony, welcoming 27 finalists to the Dorchester Hotel in London. Each category winner was presented with their trophy and a Red Letter Day voucher, and two highly commended winners per category received certificates and a Red Letter Day voucher. Last but not least, our Towergate Care Awards Winner 2017 was presented with a trophy, £2500 worth of holiday vouchers, and a standing ovation. Read on to find out about this year's winners.

Locum Insurance FAQs

My staff member is healthy now, but what happens if they get sick in the future?

Your cover will not be reduced, restricted or removed as a result of making a claim or deterioration in health of any insured member.

What if a staff member is injured outside of work?

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.

Will making a claim on locum insurance affect my cover?

Our locum insurance policy provides 'cover assurance' which means we guarantee you a renewal regardless of your claim history or situation.

Does the locum policy provide cover for re-occurring conditions?

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.

Does the policy cover partial return to work?

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.

Do you provide staff absence/overheads insurance for other types of surgeries?

Yes, as care industry experts we can also provide cover for vets, pharmacies, dentists and opticians for practice overheads and more.

What is a deferment period in relation to locum insurance?

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.

What is a waiting period in relation to locum insurance?

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.

Can I pay for my locum insurance in instalments?

If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To learn more about how PCL and Towergate work together, please read our regulatory information.

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