We help employers to design, buy and run insured benefit schemes


Malcolm Brebner established Fulcrum in 2007, after 25 years in the industry. Today more than half of our customers are multi-national companies – and 80% have switched to us from other advisers.

What have we brought to the table that they weren’t already getting?

Senior people who know their way around contract detail, and have strong insurer relationships.

The ability to spot unconventional solutions – and deliver them.

When you’ve got an insurance problem you need explanations, options and answers – quickly. Our people have the experience to get to the root of the problem and the contacts to get things done.

We know our customers, and they know us. Can you say the same about your current service provider?

We want you to think of us as an extension to your own HR team; to feel free to ask us questions on any insurance/benefit related issue.

Meet the team

Malcolm BrebnerDirector

Vivien BrebnerFinancial Director

Michelle MorlandGroup Risk Analyst

Megan HartleyAdministration Support

James IstedAccount Executive

For more information
please contact the team:

+44 (0) 845 872 9400
Email the team