When you run any sort of business that is connected with health, be it a GP practice, dentist, optician, physiotherapist, pharmacy, or veterinary surgery, you always need to be able to attend to patients no matter whether your practice has staff off sick or away from work for any other reason. That means that, from time to time, you will require the services of a locum to stand in and keep your numbers up to full strength so that you can continue to provide the services that you do.

However, the problem with hiring a locum is that the costs will be considerably more than the hourly rate that you pay your usual staff. The second issue is that if a critical team member goes sick or is injured and unable to work, you very often will have no idea how long he or she is going to be away from work. Furthermore, absence from work is not always a result of sickness or injury. Staff can be called away for jury duty, may need paternity leave, or could have other urgent family business to attend to which results in a period of prolonged absence.

For all these reasons, you should ensure that you take out locum insurance which will cover the extra costs of hiring a locum at short notice in order to keep your practice running at full strength without incurring the huge extra costs of doing so.

Now, locum insurance policies can vary considerably in what they cover and what they don’t cover, so you need to ensure that you get the cover that you need and don’t pay for the cover that you don’t need. At Approachable Locum Insurance, our job is to see to it that we find the policy that does exactly that, and the way that we do it is by tailoring a policy to your precise requirements.

For some strange reason, we have seen people who need locum insurance searching Google for things such as “locum insurance company near me” when in practice it really doesn’t matter where that insurance company is located. As it happens, we are based in North Yorkshire, but we could just as well be in Timbuctoo. What matters is that you get the right cover for your practice at the right price. That means that you need the best insurance provider, the location being of no consequence whatsoever.

We work with every client to ensure that they get the cover that is required, and we can do that by email, by phone, or by Skype. Our policies have several benefits over most others, and they are underwritten by Lloyds of London, so you know that you are in good hands.

Our policies have a 12-month pre-existing condition clause which means that a claim cannot be made for a condition that has occurred in the last 12 months. Most other policies of this type have a two-year or even three-year pre-existing condition clause. Our policies also contain a continuation option. That means that the policy cannot be cancelled or varied by the insurers on the basis of the number of claims made, or on variations in the health of those who are insured. So, once you have taken out the policy you know that you are covered.

We can build your policy around your individual requirements. So, for example, you can have a payment from day one of hiring a locum. However, if you prefer to have a deferment period, this will reduce the premium. You might be able to manage on your own for a couple of weeks, for instance, before needing a locum. Everything is designed around your own particular needs, which can vary enormously from another practitioner.

Give us a call or email us and we can give you a basic quote in a few minutes. Then we can help you from there with any variations that you might require.