Employee benefits that benefit employers too

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1 Employee benefits that benefit employers too

2 Take time to appreciate employees and they will reciprocate in a thousand ways. Dr. Bob Nelson a leading expert on employee motivation

3 How can you have your cake and eat it? Deliver your employees benefits that benefit you too Employee benefits is the over-arching description for a range of benefits designed to recruit and retain employees, whilst also improving wellbeing, morale and productivity. Employers naturally focus a lot on remuneration base pay, short and longer-term bonuses, and maybe even equity participation but this can be something of a missed trick. Why? Because often, pound-for-pound, employee benefits can be fantastic value, delivering a true employer/employee win-win. 1

4 From ingredients to a recipe No two firms are the same, and no two employee benefits packages should be either So what s this big employer/employee win-win? Well, it comes down to maximising the real and perceived benefit delivered to employees per unit of cost to you as an employer. Sure, you ve got statutory responsibilities like minimum pension contributions, but outside this you have a multitude of different options. You could of course simply increase pension contributions beyond the minimum, but other alternatives might be more attractive to your employees. 2

5 For some, it might be protection and well-being, including life insurance, critical illness cover and private medical insurance. For others, it might be more lifestyle-oriented, for example gym memberships, health assessments or other perks. Flexible benefits schemes enable enhanced benefit personalisation, including, for example, holiday entitlement and chosen working hours. We re big fans of flexible benefits schemes, and have implemented many. We provide solutions too though for companies where the cost of such a solution might be prohibitive. Whatever your company size, we ll help you tackle the subject like you have perhaps never done before. Our benefits packages haven t really changed that much over time We ve not given this particular thought, and tend to just do what we see others do We ve never asked our staff what they d prefer, and I m sure we don t really know 3

6 The world of employee benefits at your fingertips Flexible benefits Health and wellbeing Group income protection Private medical insurance Keyman insurance Cash plan Registered group life assurance Excepted group life assurance Dental insurance 4

7 Group personal accident Group critical illness Employee assistance programme Employee benefits International private medical insurance 5

8 Let the audience decide Who knows what employees want most? They do Like any rational marketplace, the customer decides. And as the customer in this instance is the employee, it is critical that their preferences are fully understood. This is the very reason why at CLEAR, employee benefits is not about peddling products regardless of who you may be. It s a consultative process, informed by structured employee research, inter/intra-industry Our dedicated claims benchmarking and extensive knowledge of the best solution components. team know how to get your claim the We pride ourselves in delivering customised solutions that really work. urgent attention it deserves. So, when something happens, and you need our help we can get you the service and attention you We ve expect never to reach a speedy asked our and staff satisfactory what outcome. they d Our benefits packages haven t really changed that much over time We ve not given this particular thought, and tend to just do what we see others do prefer, and I m sure we don t really know 6

9 We re as good as our word But we can also back it up Our 5-star Trustpilot rating and industry award win tell us we re on the right track. We firmly believe that the expertise that our team brings from many years working as both insurers and brokers will deliver you not just a better overall solution, but one with less hassle and perfectly suited to your needs. Our team has access to unique arrangements for low cost healthcare; we work closely with our in-house commercial brokers to source bespoke arrangements for the assortment of industries we specialise in; and we can also provide comprehensive solutions for our clients with an international presence. Take the opportunity now to find out all that we can do for you. 7

10 Why put off to tomorrow what you can do today? Transform your insurance position in a single call by contacting a member of our employee benefits team: Madeleine Gorringe madeleine.gorringe@thecleargroup.com Sam Cheshire sam.cheshire@thecleargroup.com Nick Skipper nick.skipper@thecleargroup.com 8

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12 Clear Insurance Management Limited is an independent Chartered Insurance Broker which is authorised and regulated by the F Financial Conduct Authority (FCA). Registered in England No Registered office: 1 Great Tower Street, London, EC3R 5AA EB Brochure-v2.0-FL0019 This is a marketing communication