When you run an opticians practice, one of the issues that you face is that of having an optician off sick or away from work for any other reason. While you might be able to manage for a couple of days by rebooking appointments for patients, you cannot go on like that forever. Yet you could have an optician away sick or for some other reason for weeks or even months.

What that means is that you need to hire a locum in order to keep your practice running. But the trouble is that locums are expensive, even if you only need them for a couple of weeks. But it could be longer than that, quite easily. For example, you may have a job vacancy and need a locum to fill the role. However, according to the job site Indeed, in 2019 it said that one of the hardest jobs to fill was that of an optometrist, with over 2/3 of adverts on its site still there after two months and more. If you are paying for a locum for all that time, it can make a serious dent in your end of year profits.

This is why you need to take out optician locum insurance to cover you for the huge extra expenses of such an eventuality. At Approachable Locum Insurance, we are specialist brokers with a considerable number of years of experience in providing locum insurance to the medical sector.

Total Flexibility

Our optician locum insurance policies are totally flexible so that we can tailor the package to cover exactly what you need for your individual practice, and so that you don’t pay for cover that you don’t need. No two optician practices are identical, and so neither will their locum requirements be.

For example, you might need a policy which will pay you for the extra costs of a locum after a couple of days absence by one of your team. On the other hand, you might be able to manage for a couple of weeks in which case you can choose a longer deferment period which will mean that the premium is lower.

Our policies can cover you for accident or illness anywhere in the world, jury service, suspension cover, paternity benefit, compassionate leave, funeral expenses, delayed return from holiday, and more. Every policy is underwritten by Lloyds of London for your security.

Each policy also has a continuation option which means that at the renewal date it cannot be cancelled or restricted, regardless of the number of claims made concerning the health of an individual who is insured. There is also a pre-existing condition clause of only 12 months. (Some policies will not cover pre-existing conditions at all, while others have a 2-year or 3-year clause, but ours is only 12 months).