Charities & Care

Societal change brings new and enhanced challenges to the charity and care sectors, requiring specialist insurance advice.

Employee Benefits

In today’s competitive employment market a well-designed benefits package is essential to attract, retain and reward high quality talent.  We focus on designing attractive benefit plans which enable your business to offer market leading solutions.

Global Programs

Experience in arranging global programmes, and mature relationships around the world, are an essential of insuring the modern business.

Tech & Innovation

We have developed a flexible ‘full service’ proposition for today’s technology businesses, and commit to continually innovating our solutions for our clients’ evolving needs.

Employee Benefits

The correct Employee Benefit package is an integral part of the toolkit for every employer. Whilst a workplace pension offering is now a compulsory base layer in the UK, other benefits will vary in value to employees and cost to employer depending on the age of the workforce and the size of the pay roll.

Having run several larger businesses I see the issues as simple: what must we absolutely have, to win the battle to attract and retain staff in this increasingly competitive market; how do we buy this at a sustainable cost over time recognising the demographics of our workforce; how do we avoid “benefit creep” and the need to rein in benefits at a later stage.
Howard Pearson

In addition to the traditional risk benefits such as death in service, critical illness and income protection, there are a number of key areas to be examined for each employer. The most likely issues for modern employers are:

  • when is it right to provide private medical insurance and should this extend to families.
  • now that a baseline workplace pension is compulsory, how are the employer’s contributions correctly set to attract staff and be affordable

Considerations

  • Workplace Pensions
  • NEST
  • Individual Pensions
  • Company Pensions
  • Death in Service
  • Very High Earners
  • International employers
  • Income Protection
  • Critical Illness
  • Private Medical insurance
  • Multinational Pooling
  • Use of Trusts
  • Cash Plans
  • Dental Plans
  • Key Man covers