Locum Medical Insurance

Do Locums need Medical Indemnity?

Locum Medical Indemnity Insurance simply 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.

NHS and Private Work - Where to get your insurance

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 Servca, 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

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 compliant 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 polices are tailored to fit your professional requirements, our Locum Indemnity policy can include:

  • Indemnity up to £50m for individuals and Whole Practices.
  • Global coverage (including USA).
  • 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.

Benefits of working with Servca

High Quality Cover and Service We develop bespoke insurance solutions for our clients that are cost-effective and offer cover to protect our clients' interests, backed by 'A' rated insurers.

Contract-Certain Cover Unlike other providers, a policy from us will always protect you from negligence, covering you for any claim made during the active time of coverage, giving you complete piece of mind and security.

Market Comparisons We speak to all possible medical malpractice insurers and arrange a variety of quotes for you to consider so that you have different options to choose from.

Bound by FCA regulations and Treating the Client Fairly Everything we advise, do and commit to is regulated by the FCA and we obliged to always look out for the best interests of our clients.

No Excess In the vast majority of cases, you will have no excess to pay in the event of a claim.

Specialist Medical Indemnity Broker As pioneers in the healthcare liability insurance sector, we offer all our valued clients unrivalled advice and access to the world's largest insurance market (Lloyd's of London). Our Managing Director is a Medical Professional, so we fully understand your needs and tailor policies to suit you.

Locum Insurance