Protecting Key People, Protecting Your Business
Cover for the individuals your business relies on
Losing a key employee through death or serious illness can disrupt operations and threaten revenue. Business protection ensures continuity.
Did you know?
Many businesses underestimate their reliance on one or two key employees until it’s too late.
Partnership and Shareholder Protection
Keeping ownership in the right hands
Business protection makes sure that ownership is preserved and agreements can be honoured if a partner or shareholder dies.
Did you know?
Without the funds to buy a deceased partner’s share, their share of your business could pass to family members with no business experience.
Safeguarding Loans and Other Financial Commitments
Ensuring debts don’t threaten your business
Whether looking to cover outstanding loans or financial commitments, if a key person passes away or is diagnosed with a critical illness, business protection is crucial.
Did you know?
Lenders often require business protection as a condition for approving large business loans.
What Our Clients Say
Partnerships built on trust, results, and understanding - here's what our clients have to say.
“By identifying and recognising our specific requirements and priorities, Fulcrum has helped us to tailor our company benefits around a relatively strong local National Health Service. This has resulted in significantly reduced insurance costs without reducing the speed or quality of care. We have always found their honest and pragmatic approach to be a good fit with our own business.”
“With our previous provider, I always felt like ‘just a number’ calling them with any queries – whereas an expert outfit like Fulcrum offers personalised service. After meeting them, we discovered there is much to insurance plan design which can impact massively on premiums”.
“Your team are a credit to Fulcrum. Michelle has been excellent with progress and updates to the schemes we’ve implemented.”
“Fulcrum has helped us to protect more employees, through better plan design.”
“Fulcrum thinks in a much more creative and strategic way than the average broker, and as a result provides a much higher value of service. We have saved approximately £50k in direct costs and far more in management time, as administration is far simpler.”
“Good engineers are thin on the ground and it’s important to us to attract and retain some of the best in the industry. Feedback tells us our employees value the benefits aspect of their package, and we are keen go the extra mile with this. We have found Fulcrum’s service to be second to none, extremely knowledgeable and professional.”
“Our experience with the team at Fulcrum has been nothing short of fantastic. They are friendly, approachable and very quick to respond to any queries. They spend time to explain situations and processes, to ensure that we understand them fully which demonstrates their dedication to great customer service”.
“Fulcrum’s advice and hands on approach has enabled us to provide a competitive and comprehensive Benefits package for our Employees.”
“I was initially sceptical that Fulcrum would be able to help us with our staff benefits packages as I felt we already had good value from providers. However, their careful and methodical analysis, combined with some innovative thinking, ended up with a great result with considerable savings for us. What’s more, the savings kicked in immediately. We continue to be delighted with their service.”
“Through diligent assessment of the market and tough negotiations on our behalf Fulcrum has saved us many thousands of pounds on our staff benefits. As well as major cost savings, the team at Fulcrum are exceptional in their professionalism and customer service”.
Trusted by world leaders investing in employee success
