Locum Medical Indemnity (Individuals)

Why do Medical Locums need Medical Indemnity Insurance?

The Medical Locum Industry has rapidly expanded within the UK over the last 10 years. Today over 50% of the UK’s medical professional workforce have carried out locum work within a NHS or private practice setting*.

Who we provide indemnity for

With the nature of medical locum evolving, with constant workplace and patient changes, as a locum you are naturally more ‘exposed’ to far greater levels of risk.  Our Medical Indemnity Insurance solution for locums is designed to cover you from Medical negligence claims, complaints and regulatory disputes, covering you at all times no matter where in the UK you are working, complete with legal and representation fees from our specialist law firms.

Your need for Locum Indemnity Insurance is dependent on who you are carrying out medical locum work for. If you are working as a locum for a NHS trust then your indemnity will be provided under the Crown Indemnity Scheme.

NHS and Private Work - Where to get your insurancen

However, if you are working as a locum for a private healthcare clinic or hospital, you will be responsible for arranging adequate and appropriate insurance for any work you carry out on behalf of that organisation. This is sometimes purchased through traditional Medical Defence Organisations at a significant cost, with limitations (number of hours you can work, Out of hours limitations).

What is covered by Locum Indemnity Insurance?

“We create bespoke contracted defence insurance that protects you for any Private Practice, Locum Work and Out of Hours Work (including Medico Legal & Administrative Cover) – offering you complete piece of mind with a single monthly premium”.

Our medical locum coverage can provide the following:

  • Indemnity up to £50m for individuals or whole practices
  • Global Coverage (Including USA)
  • Employment T&Cs of Service
  • Advice on Employment Grievance Procedures
  • Employment Advice and Representation in the employer disciplinary and capability process
  • GMC Hearings
  • Tribunal Support
  • Professional Disciplinary Defence
  • Defence against patient complaints
  • Representation for trainees in ARCP appeals and in
  • Legal advice & Representative with ServCare Medical Union
  • Run Off & Extended Reporting Periods up to 20 years


* Figures from Keynote Research UK National Health Service Outsourcing 2017

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.