How to Choose the Best Locum Pharmacist Insurance (A 2025 UK Guide)

Choosing the right professional indemnity insurance is one of the most critical decisions you will make as a locum pharmacist. With several excellent providers in the UK, how do you decide which policy is best for you?

This guide isn't about recommending one provider over another. Instead, it's a practical checklist to help you compare policies and choose the one that offers the best protection for your specific needs.

Your Checklist for Comparing Locum Insurance

When evaluating your options, consider these five key factors:

1. Level of Indemnity Cover (£)

Does the policy meet the minimum requirements of your clients? Most employers and agencies require at least £2 million in cover, but many locums opt for £5 million or £10 million for greater peace of mind. Compare the costs for different levels of cover.

2. GPhC Compliance

Is the policy explicitly compliant with the General Pharmaceutical Council's indemnity requirements? Any reputable provider will state this clearly. This is a non-negotiable feature.

3. Scope of Practice Covered

Does the policy cover all the services you provide? If you perform additional services like vaccinations, travel clinics, or prescribing, ensure your policy specifically includes them. Check the fine print for any exclusions.

4. Legal Support and Helpline Access

What happens when you need help? The best providers offer access to a dedicated legal helpline staffed by experts who can provide immediate advice if an incident occurs. This support can be just as valuable as the financial cover itself.

5. Cost and Reputation

While cost is a factor, it shouldn't be the only one. Consider the provider's reputation within the pharmacy community. Major UK providers like the Pharmacists' Defence Association (PDA) and the National Pharmacy Association (NPA) are well-known and trusted, but it's always worth comparing the specific features of their latest policies.

Conclusion: The "best" insurance is the one that comprehensively covers your individual scope of practice and gives you the confidence to work safely. Use this checklist to make an informed decision and protect your career.