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Locum insurance for dentists

For peace of mind when you’re unable to work

Why get locum insurance?

Hiring someone to cover your position when you’re unable to work can put a huge dent in your pockets, especially if you have an illness or injury that lasts a long time. Not only that, but you may have overheads at your dental practice that you need to pay for too. Our locum insurance for dentists is designed to offer financial protection when you need it the most.

  • Choose your level of cover - up to £3,500 a week
  • Decide how long your benefits are paid for – up to 25 or 52 weeks
  • Covers the cost of hiring a locum or internal staff
  • Can cover any ongoing practice expenses that you’re responsible for
  • Tailored to your practice needs by a specialist team

Protection for your practice

Whether you’re in a dental partnership or you run your own practice, it’s your responsibility to find cover for yourself or your employees in the event of illness or injury.

If you fail to find cover, you might be in breach of your partnership contract or practice responsibilities. Not only that, having locum insurance is often a condition of being accepted for a loan or commercial mortgage. It shows lenders that your practice and your staff are adequately protected.

When you’re ready to explore your options, a Specialist Financial Adviser from Wesleyan Financial Services will evaluate your needs to find the right level of cover for your practice.

What is locum insurance for dentists?

Our locum insurance plan pays you a regular income that you can use two ways. It’ll help you pay someone to carry out your normal duties if you’re unable to work or it can cover the ongoing practice expenses that you’re responsible for.

Despite the name of our plan, we don’t just cover the cost of hiring locums. We also cover the cost of paying a partner or other practice employees for working extra hours on your behalf.

If it’s the cost of running a practice that you’re concerned about, your cover can be used for rent, rates, staff salaries and interest on loans. For example, if you have to close your practice due to staff illnesses, you can use your cover to pay for your rent and bills. You could also use your cover to pay for your employees' salaries if you’re suffering a long-term injury and aren’t bringing in a regular income as a result.

Support for dentists

Tailored to you

Decide your level of cover and when your payments start and end

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Grows with your business

Increase your cover if you need it (up to 10% each year)

Help with claims

We’re here when you need to make a claim or you have a question

Important information

Find out how we can tailor your plan to fit your practice and budget: