Wesleyan’s Practice Protector Plus helps with the costs of hiring a locum, so you’re not out of pocket if you’re unable to work.
- Cover the cost of hiring both internal and external key staff
- Single policy that lasts as long as you need it, with no need to renew each year
- Paid out 97% of claims in 2023, totalling £3.1m
- Tailored to your practice needs by a team of Specialist Financial Advisers
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Keep your partner finances healthy
As a practice partner, it's often your responsibility to cover your absence if you're off work due to illness or injury. Not only is this usually part of your practice agreement, it's also a vital part of maintaining practice profits.
You may also be responsible for finding cover for other GPs and key staff in your practice. This can seriously hit your pockets - especially if a locum is needed for the long term. Find out how Practice Protector Plus can make a real difference in our explainer video above.
Tailor protection to the needs of your practice
Our comprehensive locum insurance plan covers the cost of hiring locums, temporarily replacing key staff and providing sick pay benefits to your employees.
Whether you have three members of staff or 30, your Specialist Financial Adviser from Wesleyan Financial Services can establish the level of cover that’s just right for your practice.
What's covered?
- Cover without medical evidence
- Locum and role replacement cover
- Sick pay cover for key employees
- Payments for extra shifts
Regardless of medical history, a guaranteed benefit (up to £2,400 per week) is available for all doctors and staff.
Up to £4,000 per week for roles including GPs, practice managers, pharmacists and specialist nurses.
Up to £2,000 per week for other employed key staff, including practice managers, practice nurses, pharmacists, physiotherapists and admin staff.
For GPs covering shifts within and outside of their normal schedule.
The full list of everything that can be covered with this policy is available in the Key Features document.
Additional protection at no extra cost to you
GPs get the Practice Locum Cover plan at no extra cost, so you’ll be covered for jury service, suspension from work, family emergencies, bereavement, plus paternity and adoption leave.
Important information
Things to know before you apply
Wesleyan Financial Services is a broker and insurance products are provided by a number of selected insurers.
Limits, exclusions and charges do apply. Full terms and conditions of the policy and cover, including the policy benefits and exclusions, will be contained in the Policy Wording and Policy Summary.
Risk must be acceptable to underwriters at normal term.
Key documents
Find out how we can tailor your plan to fit your practice and budget:
PP Plus Key Features Document (PDF, 403KB)
Frequently asked questions
Yes, plan members will be covered if they fall ill or suffer an injury anywhere in the world. However, their benefits will only be paid when they’re in the UK, USA, Australia or EU.
They won’t miss out on their full cover if they’re in another country as this will be backdated to when they fell ill. This will then be paid at the end of their chosen deferred period.
Yes. If a plan member is covered for locum or role replacement cover, we’ll pay you rehabilitation benefit if they go back to work part-time after a period where we’ve paid benefit.
For this to apply, the staff member must have been unable to work for at least 13 consecutive weeks and has returned to work for less than 30 hours each week.
You should let us know as soon as possible by phone, email or post that you want to make a claim. This ensures we can start benefit payments as soon as the deferred period ends.
For contact details, please refer to the Key Features Document.
We look at whether a member is able to fulfil their duties as part of their day-to-day role.
You’ll qualify for the benefit if a member is unable to carry out the essential duties of their normal occupation (and is not doing any other work) and if you’re responsible for the costs of employing a locum or replacement, extra hours worked or employee sick pay.
Premiums can start from as little as £15 a month (£180 a year).
How your premium is calculated depends on a variety of factors, including each member’s age, sex, occupation and medical history. For the full list of dependent factors, please read our Key Features Document.
At first glance, an annually renewable protection plan may seem the most cost-effective option for your practice. However, it's important to consider the impact this sort of policy may have on your practice in the long term. This type of protection gives insurers the option to re-evaluate the terms and conditions of your policy every year - including the right to refuse renewal.
By contrast, a permanent protection plan (such as Practice Protector Plus from Wesleyan Assurance Society) provides you with the certainty that as long as all policy terms and conditions are met and premiums are paid, the insurer can never withdraw, cancel or alter your plan. Your premiums will also be unaffected by any claims you make.
To learn more about which type of locum protection might be right for you, download this PDF.
Ready to discuss locum cover?
Fill out the short form below and a member of our team will call you to discuss cover options.
Already have a locum insurance policy with us? Existing customers should contact us here.