Lockyers has partnered with Towergate Health & Protection to offer you specialist insurance cover for health, wellbeing and protection – for you, your staff and your business.

The real risk of not protecting your business

Small to medium-sized businesses face the most challenges when it comes to handling health issues among their people. If one person is off long-term sick, waiting for a hospital appointment or an operation, it can put added pressure onto the rest of the workforce, causing stress all round.

According to research carried out by GRID 44% of SME businesses have experienced an employee being diagnosed with, or dealing with, a serious illness such as cancer, heart disease or stroke*. The same report revealed that 30% of SME businesses have experienced an employee dying while in their employment.

Yet despite this many businesses don’t realise the risks or have a misconception that insurance costs are too high, or that they are too small a company to be covered. But the risks are real, particularly if one of the business owners or key stakeholders were too sick to work or passed away.

Why offer health benefits?

When one person is off long-term sick, perhaps waiting for treatment, and other members of the team are picking up the extra workload and becoming stressed a result, there can be a huge knock-on effect in any business.

Having the right health benefits package in place gives your team more treatment and support options and avoid delays returning to work, while helping to reduce sickness absence at the same time. It is also an attractive benefit to improve recruitment and retention of the best talent.

Business continuity can be provided by taking out appropriate protection cover so that if the worst should happen, it doesn’t signal the end of your company, or the loss of control of your business.

Lockyers and Towergate Health & Protection will work with you to design protection cover for your specific business needs.

We help get your employees back to health

• Private medical insurance (PMI)
• International PMI
• Dental insurance
• Travel insurance
• Health cash plans

We keep your employees healthy

• Mental wellbeing
• Online health assessments
• Health and wellbeing advice
• Employee assistance programmes
• Health screening
• Occupational health

We protect your employees’ family and finances

• Group critical illness
• Group income protection
• Group life insurance
• Financial education

We help protect your company

• Key person cover
• Relevant life cover
• Business insurance
• Shareholder protection
• Absence management

Get in touch with the team at Lockyers on 01924 278222, email info@lockyers.co.uk or through our website www.lockyers.co.uk/contact

*Dealing with Serious Employee Issues, Group Risk Development Organisation (GRID) report March 2019