Locum Insurance for Practices

Do Locums need Medical Indemnity?

Locum's need for medical indemnity insurance depends on who you are working for. For example, if you are working as a locum for an NHS trust, indemnity should be provided under the Crown Indemnity Scheme

However, if you are working as a Locum for a private hospital or healthcare clinic, you will need to arrange appropriate insurance coverage for any work you do for that specific organisation, even if it is arranged through a recruitment agency.

This is sometimes purchased from traditional Medical Defence organisations at a significant cost, with very narrow coverage (such as no out of hours coverage for example).

At Medicas, we specialise in creating bespoke insurance solutions for healthcare professionals to ensure you are fully protected, complete with employment, regulatory cover.

Types of Locum Medicals we Indemnify

Locum indemnity is insurance policy designed to cover your locum work and protect you in the event of a medical negligence claim, regulatory compliance or employment/contract dispute.

We create bespoke contracted defence insurance designed to cover you for Private Practice, Locum and Out of Hours Work including Medico-Legal & Administrative cover – Offering you complete peace of mind with a single monthly premium.

Whilst our policies are tailored to fit your professional requirements, our Locum Indemnity policy can include:

• Indemnity up to £50m for individuals and Whole Practices.
• Global coverage.
• Employment T&Cs of Service.
• Advice on Employment grievance procedures.
• Employment advice and representation in any employer disciplinary and capability process.
• GMC Hearings.
• Tribunal support.
• Professional Disciplinary Defence.
• Defence against patient complaints.
• Representation for trainees in ARCP appeals.
• Legal Advice & Representative with ServCare Medical Union.
• Run-Off & Extended Reporting Periods for up to 20 years.

Your Journey With Medicas