As a small to medium sized business, your people are your most valuable asset. Offering Personal Protection Insurance demonstrates your commitment to their wellbeing, helping to safeguard employees and their families if illness, injury or unexpected circumstances affect their income.

Why offer protection insurance to employees?

• It offers peace of mind to your employees and their families.
• Makes your reward package more competitive.
• Retains and attracts talent.
• Reduces business risk.

We offer practical, affordable employee protection insurance cover, critical illness, income protection and medical cover.

Benefits for your business

– Lower financial risk: helps protect the business from sudden loss of key staff or the cost of long-term absence.
– Continuity & planning: income protection and critical illness payouts can cover recruitment, interim cover or retraining costs.
– Retention & attraction: improves recruitment success and reduces staff turnover by showing real care for employees’ financial security.
– Cost-effective: employer-negotiated group schemes can be more affordable and simple to administer than individual policies.

Benefits for employees

– Financial peace of mind: mortgage, bills, family needs are supported at a difficult time.
– Faster recovery planning: access to benefits may allow employees to focus on recovery rather than immediate financial stress.
– Added value: staff get protection that helps their family — a differentiator beyond salary.

Common types of employee protection

Life Insurance

Pays a lump sum on death during the policy term. Can be written in trust to avoid delays and inheritance tax issues.

Critical Illness Cover

Pays out if an employee is diagnosed with a specified serious illness — useful for helping families meet immediate costs or adapt homes.

Income Protection

Provides a proportion of salary if an employee is unable to work long-term due to illness or injury and takes over after contractual rights.

Group schemes & flexible benefits

Group options can be provided at low cost and arranged through payroll or as part of a benefits platform to suit different budgets.

Return on investment — why it pays to offer cover

Protection insurance is more than a cost: it reduces hidden employer expenses such as recruitment, lost productivity and absence management. It also creates a more resilient workforce and a better employer brand — all of which support long-term profitability.

How to implement a scheme

1. Talk to one of our advisers — they’ll assess needs and tailor the right mix of cover.
2. Choose between employer-funded, employee-funded or hybrid arrangements.
3. Consider your administration needs: payroll integration, communications and trust documentation.
4. Communicate clearly to your employees: explain benefits, claim process and who to contact.

Frequently asked questions

Will this cost a lot?

Costs vary by cover type and scheme design. Group pricing usually makes it affordable. Our adviser will provide comparisons and recommendations.

Is cover taxable?

Some benefits or payments can have tax implications depending on how they’re structured. We strongly recommend discussing tax impact with your adviser.

Can I change the scheme later?

Yes, most schemes are flexible and can be reviewed annually to reflect business needs and budget changes.

How quickly do claims pay out?

Timescales depend on the insurer and type of claim. Having life cover properly set up can speed up payment to beneficiaries.

Ready to protect your team?

Contact us for a no cost, no obligation initial consultation.

We’ll design and quote for a protection package that fits your budget and priorities.