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Practice Complete

Practice Complete represents our holistic offering to veterinary surgeons and dentists alike. It embodies the 4 main elements of our business. These being Insurance, Finance, Workplace Pensions and Financial Services. Practice Complete therefore ensures that every part of your surgery benefits from our business.


Insurance is very important for any surgery, therefore JPM have focused on offering the best possible solution for any surgery insurance needs. Not only that but JPM also offer help with Locum Insurance, Private Healthcare, Engineering Inspection Insurance and Personal Insurance. More information on these can be found below. For more information on JPM’s other Commercial insurance offerings, click here.


Practice Complete also brings together Finance, Financial Services and Workplace pensions all into one product. These individual aspects may sometimes be overlooked, but at JPM we can help you see the value in each area and can help your practice save money. For more information on any of these services, click here to go to the main services page.


We have an ever growing portfolio of over 300 veterinary and dental customers representing approximately 50% of our general insurance business. We have over 50 years combined experience dealing with surgery’s insurance and finance requirements bringing a collective wealth of knowledge and experience to any given circumstance or challenge. At JPM, we are confident that a bespoke and competitive solution can be found for all of your needs.



Practice Complete is covers many areas to help with your surgery. Here are some of the main aspects that Practice Complete covers:










Surgery Insurance

The General Insurance team at JPM have used their extensive knowledge and experience to build comprehensive policies specifically designed for both the veterinary and dental markets. Each policy is tailored to the individual client’s needs to make sure the correct type and level of cover is offered at the most competitive price.


JPM are guaranteed to beat any like for like quote on any competitor’s premium and also offer a free insurance inventory service. JPM are backed by one of Europe’s largest insurers which ensures the most competitive quote possible.


Here are different policy features that JPM offer on surgery insurance:


  • No Under Insurance
  • Business Interruption Cover
  • Full Theft Cover
  • Free Inventory Service
  • Deterioration of Drugs and Vaccines
  • Legal Expenses Cover
  • All Risks Covered
  • Personal Service
  • Liabilities Cover

To return to the list, Click Here


Locum Insurance

Regularly overlooked by many surgeries, Locum Insurance is one of the most critical covers that should be in place. It should always be organised in line with your partnership / shareholder agreement and your existing income protection policy. Failure to do this can result in an ability to claim on the policy. We at JPM, have the expertise to ensure your cover always works.


Our policy is designed to insure against accident or illness of key staff and to pay the costs of employing locum or other staff working overtime to cover absence. Some features of JPM’s Locum insurance:


  • 24 Hour Worldwide Cover
  • Standard Extensions: Jury Service, Maternity / Paternity Leave, Bereavement Cover
  • Up to £2,500 per Week and 102 Weeks Cover
  • Sports Activities Including Winter Sports (Excluding Off Piste) Covered
  • Fits Alongside Income Protection and Partnership / Shareholder Agreements
  • Tax Allowable Business Expense, Paid Upon Doctor’s Note Receipt
  • Deferred Periods 2 -13 Weeks
  • No Locum Receipts Required


To return to the list, Click Here


Engineering Inspection Insurance

You have a legal and statutory duty to ensure that certain items of the plant are inspected on a regular basis by an independent and competent person.


Autoclaves are the main part of the cover we provide for you. Some suppliers of equipment may encourage you to utilise their maintenance plan as an inspection. However you must remember, it must be done via an independant person.


Using JPM for your engineering inspection insurance will make sure professional and experienced engineers are used during the formal inspection. They will make sure that all your systems are ‘Roadworthy’ by offering an independant unbiased inspection of your equipment.


To return to the list, Click Here


Private Healthcare

Healthcare insurance can be underwritten for both companies and individuals. We have access to a wide range of insurers and product types. It is a complicated area of insurance and it is therefore important that you always consider pre-existing medical issues and how they are best encompassed in any quotation you obtain. We would, as your advisor, utilise our expertise to find you the better solution.


Features of JPM Healthcare Insurance:


  • Wide Range of Providers Including Veterinary and Dental Specialists
  • Competitive Premiums
  • Expert Help Choosing the right policy for your needs
  • Schemes for 2-200 Employees
  • Individual and Family Cover

To return to the list, Click Here


Personal Insurances

We look after many of our commercial personal insurances. We have access to a wide range of insurers covering many product areas. Your cover is at the forefront of our decision making process, as we understand how important our business owner’s insurance is to them.


Types of products JPM offer Personal Insurances for:


  • Home Insurance
  • Car and Classic Car Insurance
  • Holiday Home Insurance
  • Motorcycle Insurance
  • Buy to Let Insurance
  • Boat Insurance

To return to the list, Click Here



JPM Finance are specialists in all aspects of finance and funding for the medical profession. Using their expertise, they are able to source and transact the most appropriate type of finance for your surgery at the most competitive rates. They source from a wide range of funders with the maximum tax efficiency possible. JPM Finance can be broken down into three, Funding, Asset Finance and Pet Finance.


Funding offers structured long term loans to help with property purchase and offer unsecured funding for extensions, renovation and refurbishment of existing property. Funding also helps to finance partner / director buy-ins into the surgery. Development and Bridging finance is also available through Funding.


Asset Finance offers Equipment and Vehicle finance including HP, Leasing, Unsecured Loans (Equipment), Contract Hire (Vehicle), and PCP (Vehicle). Asset Finance also offers tax loans and personal loans including loans for your staff. Similar to Funding, Asset Finance helps with small scale renovation or refurbishment through finance.


Pet Finance expands the range of affordable treatments you can offer for your clients. If a client can not afford to pay for the medical bill, they can have payment terms on loans from £300 to £25,000. There is an easy online sign-up with e-signatures and can be controlled by your practice. The funds are paid within 2 working days of processing. There is no need to worry as the liabilities are passed to the provider meaning you are not exposed to bad debts.


For more information on Funding and Finance, Click Here


For the online sign-up for Pet Finance, Click Here


To return to the list, Click Here


Financial Services

JPM are also individual financial advisors, authorised and regulated by the Financial Conduct Authority, able to provide the full range of Corporate and Individual advice.


JPM’s Individual Advice includes:


  • Individual Pension Planning
  • Income Protection
  • Retirement Advice
  • Investments – ISA, Unit Trusts, Bonds, Offshore Investments
  • Pension – Property Investments
  • Inheritance Tax Planning
  • Life / Critical Illness Assurance
  • Keyman / Shareholder Protection

Employers are always conscious of the need to both attract and retain high quality people. An attractive employee benefit programme is an excellent way of achieving this. JPM can offer corporate advice on Pension schemes, Group Death in Service, Group Income Protection, and Group Private Medical Insurance to ensure your most valuable employees remain happy and productive.


For more information on the financial services that JPM offer, Click Here


To return to the list, Click Here


Workplace Pensions

In 2012, the government introduced new legislation that meant that every business must offer a pension scheme to all qualifying employees and pay a certain percentage of their salary into this pension. These pension schemes must be set up by a staging date dependant on the size of your business and failure to set up the pension scheme may result in fines.


JPM have a dedicated team providing tailor made solutions and ongoing assistance to help clients meet the Workplace Pensions Legislation. Full details can be found on an online flipover book available at


For more information regarding Workplace Pensions, Click Here


To return to the list, Click Here


If you have any enquires relating to our Surgery Services, Please call Wes Griffiths or Andy Bullingham on 0121 270 4800
or alternatively contact us


Head Office:
JPM House | Coombs Wood Court | Steel Park Road
Halesowen | West Midlands | United Kingdom | B62 8BF
JPM House | 3 The Avenue | The Cross
Worcester | WR1 3QA

Tel: 0121 270 4800
Fax: 0121 270 4801

This email address is being protected from spambots. You need JavaScript enabled to view it.




JPM Insurance Advisers Ltd is authorised and regulated by the Financial Conduct Authority.
Co. Registration No. 5633018. Registered in England and Wales. Financial Conduct Authority No. is 445837

Registered Address: 15-17 Church Street, Stourbridge, West Midlands, DY8 1LU

Directors Mr A Bullingham and Mr A Windsor


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