Guides for Clinicians
Specialist guides for clinicians with NHS, private, LLP, and company income structures.
Explore guidance tailored to your profession and financial needs.
Speak to an expertCustomers love us! Don't take our word for it. Check out what some of them have to say...
Dentists
Private dental practices operate as both clinical environments and businesses, meaning financial risk is often tied to revenue generation, partnership structures, and business borrowing.
These guides explore how dental practice owners and partners can protect what they’ve built, with a focus on:
- protecting practice revenue and cash flow
- safeguarding partners and ownership structures
- managing and protecting business debt and financial commitments
- using tax-efficient protection strategies where company structures are in place
Whether you are a sole principal, part of a partnership, or operating through a limited company structure, these guides are designed to help you understand how to reduce financial risk and maintain long-term stability within your practice.
- Protection strategies for private dental practices
- Life insurance through your company
- Practice protection and succession
- Clinicians Guide to Executive Income Protection
- Clinicians Guide to Key Person
- Clinicians Guide to Relevant Life
- Tax Savings In Practice
- Protection Guide for Clinicians
- Practice protection
GP Partners & Practices
GP partnerships combine clinical responsibility with shared business ownership, which means both personal income and practice stability can be exposed to risk.
These guides focus on how GP partners and practices can protect themselves against unexpected disruption, including:
- protecting personal income through illness or injury
- managing financial risk within partnership structures
- safeguarding the continuity and stability of the practice itself
Whether you are an individual GP partner or part of a larger practice, these resources are designed to help you understand how income protection and partnership planning work together to reduce financial vulnerability.
Locum Clinicians
Working as a locum offers flexibility and strong earning potential, but it also creates unique financial challenges that don’t apply to traditional salaried roles.
These guides focus on how locum clinicians can manage and protect their finances, including:
- dealing with variable and contract-based income
- lack of employer benefits such as sick pay or pension contributions
- income gaps between placements or contracts
- how lenders assess locum income when applying for mortgages
Whether you are newly qualified or an experienced locum, these resources are designed to help you understand how to stabilise and protect your financial position.
Consultants & Surgeons
Consultants and surgeons often have some of the most complex income structures in healthcare, combining NHS employment with private practice and additional clinical work.
These guides focus on how to manage and protect this complexity, including:
- balancing NHS and private income streams
- dealing with multiple contracts and revenue sources
- ensuring financial protection reflects total earnings, not just base salary
Whether your income is steady or varies significantly across roles, these resources are designed to help you structure protection and financial planning around your full earning picture.
Practice Owners
Medical and dental practices often rely heavily on key clinicians, making both financial stability and long-term continuity dependent on the people within the business.
These guides focus on how practice owners can protect what they’ve built, including:
- reducing reliance on individual clinicians who drive revenue
- planning for smooth succession and long-term business continuity
- structuring shareholder and partner protection arrangements
Whether you run a GP practice, dental practice, or private clinic, these resources are designed to help you protect ownership, revenue, and the future stability of your business.
Guides by Product
Case Studies
→ See our Case Studies.
Speak to a Specialist
Speak to a Broadbench protection or mortgage specialist to tailor policies to your individual requirements.
FAQs
Can protection insurance be paid for through my company?
In some cases, yes. Certain types of protection can often be arranged so that the premiums are paid by your company rather than personally.
This is commonly used by clinicians operating through limited companies or private practice structures and can offer potential tax efficiencies, depending on the policy and circumstances.
Read our guide on practice-paid life insurance.
Do clinicians working in partnerships or LLPs need protection planning?
Yes. When clinicians operate within partnerships or LLPs, their financial interests are closely linked to other partners in the practice.
If a partner dies or becomes seriously ill, it can create uncertainty around ownership and financial responsibilities. Protection planning can help ensure that partnership shares are transferred smoothly and provide financial support to the partner’s family.
You may find this guide useful: Protection Planning for GP Partners
What happens to my income if I cannot work due to illness?
Many clinicians rely on their ability to practise in order to maintain income. If illness or injury prevents you from working, your personal income and financial commitments could be affected.
Income protection policies are designed to provide a replacement income during periods when you are medically unable to work.
Can clinicians still get mortgages with complex income?
Yes, although lenders sometimes find it difficult to assess income that comes from a combination of NHS work, private practice, partnerships or company income.
Specialist mortgage advice can help identify lenders who understand these structures and are comfortable assessing complex clinical earnings.
Read more about Mortgage Advice for Clinicians
Ready to secure the cover that’s right for you?
Fill out the form below to arrange a time to speak to a Protection expert for medical professionals.