What We Do
Our role is straightforward: to make employee benefits more innovative, more personalised, and better aligned with your goals.
How We Help
As a starting point, employee benefits should work harder for both employers and employees. Our focus is on making benefits meaningful, affordable, and simple to run.
With cover for health, life, and income, we help employers manage risk and provide peace of mind.
Benefits that matter, from healthcare to everyday support, make your employees feel valued and supported.
We design packages that are tax-efficient, affordable, and sustainable, without sacrificing quality.
From HMRC compliance to insurer negotiations, we handle the details so you can focus on your business.
Together, these pillars ensure your benefits strategy delivers real value today and remains fit for the future.
Our Core Services
Health & Wellbeing
Helping employees stay healthy, supported, and productive.
Medical Insurance
Expatriate Cover
Dental Care Plans
Employee Assistance Programmes
Health Cash Plans
Financial Security & Protection
Safeguarding employees, shareholders, and businesses against life’s uncertainties.
Income Protection
Death in Service
Critical Illness Cover
Business Protection
Flexible & Practical Solutions
Giving employees choice while keeping employer costs predictable.
Whether you need a single service or a comprehensive package, Fulcrum can tailor a solution to match your business and workforce needs.
The Fulcrum Difference
What sets us apart is how we deliver benefits. We combine expertise, independence, and a responsive approach with a focus on providing practical and cost-effective results.
With Fulcrum, you don’t just get a broker; you gain a partner committed to making benefits work better for you and your workforce.
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
