While practise managers often take as much care as they can to ensure their practise stays running smoothly, unfortunate circumstances do happen.

With more accidents occurring in the summer months than any other time of year, as an optician you should consider how your partners and dependents would cope with the loss of income and fixed and on-going business overheads if you were to unexpectedly become seriously injured or too ill to work.

We understand that independent opticians are particularly vulnerable to the financial consequences of absence, and if the worst did happen it’s unlikely that your practise would be able to fund the costs of covering the sessions, or hiring a locum in your absence.

For this reason many professionals choose to take out Locum insurance. Locum insurance helps protect GP’s, dentists, opticians, vets and other practises against the financial strain of staff or partner absence. Practises may find Locum cover especially useful during the summer, as policies can cover common issues such as:

• Delayed return from holiday
• Accident
• Illness
• Winter sports
• Family emergency

Locum insurance can help to ease these worries, and protect your practise against the cost of hiring a Locum or shouldering the workload of an absent member of staff.

There are various different levels of cover so you would need to seek advice from your insurer based on your individual circumstances before deciding which one your practise requires.

With this in mind, you may want to get in touch with Infocus Opticians Insurance.

With Infocus, Locum insurance will help with temporary disability from work lasting up to 12 months. More serious disabilities would fall into the domain of ‘Permanent Health’ also described as ‘Income Protection’ insurance.

To find out more, get in touch with a member of the Infocus team, or get an online quote with us today.

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