Why You Need Locum Insurance for your Pharmacy

 

When you run a pharmacy, you need fully qualified pharmacists in order to provide for your customers, but unfortunately pharmacists are only human and, despite being connected to the medical profession, they can still go sick at times. They can also be off work for many other reasons, and this can put a lot of pressure on the other members of your team.

This means that in order to provide for your customers, you may well be in a position where you need to hire a locum pharmacist for a period of time in order to cover for a team member who is away, for whatever reason. There can be many reasons apart from accident or illness why you would need a locum.

For instance, you might have a team member who has to take time off to care for a relative who is sick or had an accident. You could have someone who, for one reason or another, is under suspension. A member of your team could get called up for jury service: it doesn’t happen as often as people get an illness, but if it does occur you could be without that individual for weeks on end. All right, if one of your team is off for a couple of days, you can probably manage to deal with it in-house, but if someone has an accident, who knows how long it will take them to recover?

Cover For The Heavy Costs Of Hiring A Locum

These are all reasons why you need to take out pharmacist locum insurance which will cover you for the heavy extra costs of hiring a locum. Certainly, in Central London, locum pharmacist rates are now over £52,000 per annum, so it is just common sense to be covered for this.

At Approachable Locum Insurance, one of the big advantages for your practice is that we will tailor your pharmacist locum insurance policy to your exact needs. Not all pharmacies are identical, and so what you require may not be needed by another pharmacy, and equally you may not need certain cover that they do.

Our policies are all underwritten by Lloyds of London, so are absolutely dependable. They also contain only a 12-month pre-existing condition clause, meaning that no claim can be made on a pre-existing condition during that time. This compares very favourably with other policies which have a 2-year or even 3-year pre-existing condition clause.

There is also a continuation option which means that the policy cannot be cancelled, restricted, or declined upon renewal simply because of the number of claims made.