GIP provides a regular replacement income, helping to ease financial concerns during a difficult time. Our advice is based on the knowledge we have of your business today and understanding your requirements for tomorrow and the future. It’s bespoke, so can be tailored specifically for your needs. There are many providers in this market; we only work with experienced insurers who specialise in the provision of group risk benefits to obtain the best value for you and your people.

Why do you need Group Income Protection (GIP)?

GIP is a benefit that can help employers manage sickness and the associated costs. Rehabilitation support can help your people get back to health and back to work – reducing the length of absence and the impact on your company.

The benefit is normally calculated based on an employee’s earnings with options available to meet your specific needs and budget and the needs of your people.

Benefits to the employer

  • Enhances your benefits package to attract and retain top talent
  • Demonstrates a genuine care for staff welfare
  • Reassures your people that their efforts in the workplace really count
  • Helps you support your people during long-term absence by providing a level of income and continuing to maintain pension contributions.
  • Manages the cost of absence through earlier intervention and helping your people back to work quickly
  • Can be used on its own or combined with other benefits for a more complete solution

Benefits to the employee

  • Provides peace of mind and reassurance for your people and their loved ones
  • Your people retain a level of income if they are unable to work because of long-term illness or injury, providing a level of financial security for themselves and their dependants
  • Those receiving this benefit continue uninterrupted employment by remaining on the payroll and continuing to be entitled to certain benefits such as company pension schemes

Quick Contact

Dan Cockram,
CERT CII (Health & Protection)

Employee Benefits Director

Email Dan

Quick Contact

Steve Hope

Employee Benefits Director

Email Steve

“We have dealt with the Private Client team at Partners&, for over 20 years and enjoy an excellent relationship. The team are extremely experienced, professional and experts in seeking the best solution to fit with their clients’ needs. They consistently deliver an exceptional service, with a relentless customer focus and a refreshing advice led approach.”

Simon Mobey

Head of Private Clients, AXA XL Private Clients

” You are fabulous”

Aycin D

“Having dealt with several [companies], I am pleasantly amazed by the speed and efficiency of [your] work!”

Tony C

Academy of Ancient Music

Regardless of it being a serious business issue, a policy claim, or just general advice that’s needed, [Partners&] have always delivered. Clarenco are delighted with their commitment and support. I would have no hesitation in recommending them for commercial business, friends and family.

Commercial Client


The Hallidays Group is a diverse group of companies in Engineering, Property rentals, Holiday Lets, Property Development, Cabinet making and Antiques… The experts at [Partners&] understand our needs perfectly. Their staff know the ins and outs of our complex group and each year handle our renewal with efficiency including obtaining competing quotes to see if we are getting the most efficient cover.


E. Collins

Hallidays UK Properties Ltd

[Partners&] has looked after the insurance policies we have as a company (and also personal policies for our Chairman) for many years. As a PR company we often have odd requests for insurance of various stunts etc., they have taken the time to get to know our business, ensuring that we have adequate cover at all times. Finally, they are a friendly and efficient team who are always a pleasure to speak to. They provide an excellent service. I would have no hesitation in recommending their services for all insurance needs.

Jo Vowels, Office Director and PA to Chairman


Thanks as always for your extraordinarily quick response and great customer service.

David K

We thought that we had exhausted all options for our type of business. They completely understood the field we operated in and provided us with new options – and then shopped around for us to get a better price.

Sue L

Life Sciences Client

An innovative leader in providing insurance solutions to technology businesses.

Michael B

Great advice, concise proposals and a good price.

Andrew P


Delightful organisation to deal with.

Graham B

Private Client

When renewals are due, they comprehensively research the market place and provide a report with their comments and recommendations as to the various options, further when it comes to any claims against losses or incidents they are helpful and supportive in achieving settlement. We would have no hesitation in recommending them to any third party.

Edward Goodwin, Managing Director

Campmoss Property Ltd

For the last 12 years I’ve had personal household and motor policies with the company. Unfortunately claims have occurred but the help and advice from the claims team is amazing and takes a whole load off your shoulders at a time that could be stressful.

Laura Morris

Private Client

You are by far the very best claims handler I’ve ever experienced!

Jan McKnight

Credit Controller, Laurent Perrier

The experts at [Partners&] understand our needs perfectly. Their staff know the ins and outs of our complex group and each year handle our renewal with efficiency including obtaining competing quotes to see if we are getting the most efficient cover.

E. Collins

Hallidays UK Properties Ltd

Your colleagues were amazing in helping me after hours. They were professional and very quick in dealing with me.

Antoine D


I’ve used [Partners&] to arrange motor and pet insurance for over 30 years and their service has been consistently excellent.  I know I’m getting the best value insurance and they do all the work!

C. Gordon

Private Client

Thank you so much for dealing with this so quickly and efficiently. What a rare pleasure it is to come across someone who gets things done without any fuss!

Mr P

Private Client

May I just say what a pleasure it has been speaking to you and your team on the phone. They have been nothing short of polite and helpful and they also have a sense of humour!

Julie R

Private Client

I did not feel I was getting a sales pitch – more that there was someone at the other end of the phone actually trying to help me sort out any and all issues and make sure my home insurance policy was the correct one for me. I felt reassured that it was “right”…

Vivienne R

Private Client

It’s about putting our people first. In this organisation, people are what matter.

Lee Davey

Managing Partner

Delightful organisation to deal with.

Graham B


Thanks very much for your excellent service. You seem to be alone in the whole insurance world in understanding our business and its needs!

Nathan J

Private Client

We first appointed [Partners&] in 2010 to benchmark our insurances against our multinational broker. The savings made were such that it was decided to move the company’s business across [to Partners&] that year. Since then, our relationship has grown, and we have been assisted in the settlement of a complex claim made against the company to the full satisfaction of the board of directors. We have been impressed with their personal service and we would have no hesitation in recommending them.

Daniel Taylor

Andrew Weir Shipping

They are an extremely professional company, with much knowledge. They are very easy to get quotes from and always get back promptly with a price. Whether it is insurance for your own house or a rented property they are always friendly, helpful & very efficient. They make getting your household, property & car insurance sorted out a very simple process. I cannot rate them highly enough… they give a personalised customer service.

Ms Selman

Private Client

We weren’t particularly clued up on what business insurance in the fitness industry actually covered you for, or how to tell the difference between the levels of cover provided by each insurance company. Wow! What an eye opener! Compared to other providers, Partners& automatically cover you for some really important things that you’d never even have on your radar in the first place. In summary, detailed and comprehensive, yet easy to understand.

Samantha Griffiths

CrossFit Chain Reaction

We have been working with the team at Partners& for several months now and they are absolutely fantastic. The team have a wealth of knowledge and are excellent at giving us answers to
any questions we may have, promptly and when we need them. They have helped us through some changes in our business which we thought were going to be really testing but with the
expertise of the team at Partners&, these became effortless, and we now consider them essential to the management of our benefits platform, and a partner to our business. It feels great to be in good hands.

Abigail Major


In this day and age it’s a breath of fresh air and just delightful to come across people who not only have a passion for their job, but also such a friendly and reassuring delivery. I am glad I found you!

James Simpson

Private Client

A brilliant negotiation on our behalf.

George A


Thanks very much for your excellent service. You seem to be alone in the whole insurance world in understanding our business and its needs.

Nathan J

Commercial Client

I found the service very welcoming and helpful. Feeling very uncertain about our needs and requirements meant I was a little nervous about the whole process, but they were very patient and explained everything simply and slowly.

Anna P


“Having worked with [Partners&] previously for several years, we had no hesitation in appointing them to arrange the specialist insurances required for our trampoline park business. Their knowledge, attention to detail and friendly support is proof that we definitely made the correct decision.”

David Stalker

Sports & Leisure client

[Partners&] have always been very efficient and a very supportive hand to hold during any problems or claims.

Ray K

Private Client

“One stop shop for all insurance… very helpful when we had to make a claim.”

Jo T

Arts Client

I have used [Partners&] over many years for my family’s various car insurance requirements. We have always found their staff to be knowledgeable, efficient, prompt and helpful. In addition, they have always produced highly competitive quotes for our different needs. It is testament to the company and its staff that we are still with them after so many years. I would highly recommend them.

N. MacIver

Private Client

We’ve been very impressed by your hands-on approach and your pro-activity!

S Criterion

Private Client

Thank you so much for giving so generously of your time to contribute at the Ignite Programme – it would not be the success that it is if it were not for the commitment and dedication of contributors such as yourself.

Frances B

Centre for Entrepreneurial Learning

Friendly, intelligent, up to the mark and full of common sense.

Richard S


I like that you can put together a small package suitable for us as a start-up and that this can easily be adapted as our needs develop without breaking the bank on the way.


Tech Start-Up

We’re challenging the status quo… we’re not looking to be like someone else. This is something very different, and very exciting.

Stuart Reid


We’re so glad we’ve gone with [Partners&] for our insurance. The customer service has been really prompt and professional.

D Oliver


We’ve been putting off our insurance needs for far too long, and I feel we are now in safe hands.

Martyn H

“Thank you so very much for this [and] for providing such a professional service.”

Mandy S

Great advice, concise proposals and a good price

Andrew P


Working with [Partners&] brings a feeling of complete confidence. The decision to move our contract was made very simple, it was based purely on the sheer of joy of the professionalism of their service. Not to mention that we saved over £3000 in the process!

Rosie T


At Partners& the sense of being together, and our clarity of purpose… that’s what makes the difference.

Natalie Mcclean

HR Director

Efficient, knowledgeable, professional service! What more could one ask for?

Richard M

Private Client

The team have been providing us with insurance services for nearly a decade…they are highly trained and knowledgeable in their field and helpful in providing support to our business completely attuned to our requirements.

Atom Ltd

In uncertain times, it is very reassuring to work within a group with such ambition and a clear vision for the future. The various appreciative responses we have recently received from our customers are a testament to our professionalism and adaptability. I am looking forward to being part of the Partners& journey and expect there to be many exciting updates to come.

Tom Aston

Claims Handler

“I just love it that you are all in the loop of what we are doing.”


Entertainment client

Genuinely, it’s about building something different and everyone being able to contribute.

Julia McKee

Business Improvement & Innovation Director

The best… very thorough… you will like the way they work.

Charles M


“We regard the Private Client team at Partners& as insurance experts, who pride themselves on understanding and doing what is best for their clients. We are delighted to be a trusted partner of Partners& and to support them in making a difference for their clients.”

Kate Wells

Managing Director, Azur Private Clients

The move from a large broker to what was then MRIB Group in 2001 was right for us. As our business has grown and developed since then, the infrastructure and resource that they have delivered has been outstanding.

Eamon Wynne, Director

Furniture Village

All I can say is that I am taken aback with the speed and efficiency. The last thing one needs after an unfortunate incident is a “hassle” and aggravation with the insurance aspect. A very big thank you.

David G

Private Client

I always appreciate how quickly you all respond to our questions

Vicky E

Having joined the business straight out of education it very quickly became clear to me how friendly everyone was and how loyal people were to the firm. The positive environment and ethos allowed me to feel immediately comfortable and feel that I would be able to progress and achieve success.

Beth Wilson

Manager - Private Clients

We always come away thinking how lucky we are to have found this company and the people we deal with there – bet there’s not many that can say that about their insurance broker!


IT Company

These guys are the only insurance people I will tolerate speaking to these days, as they are actual humans (with both a brain and a heart!) and offer very good packages too – they answer calls and emails promptly and when I had an issue recently with my bank were very helpful to get it fixed.


Commercial Client

The impressive level of personal service and flexibility with which they tackle every situation, has enhanced the already strong relationship.  We would have no hesitation in recommending their services.

Kurt Knox

CFO, British Bakels

[Partners&] offers real opportunities for growth and development through their excellent support network, helping staff grow as people. There really is such a positive, team-focused culture and environment which you enjoy being part of.

Martin Adby

Relationship Manager – Personal Insurance

I have been a client for over 15 years. Their professionalism takes all the stress out of organising this part of my life and I can recommend them without any hesitation as the ‘go to’ company for all your insurance needs.

P. Ridsdale

Private Client

The Partners&. journey has been amazing – the additional resource and expertise around Acturis puts us head and shoulders above the market. Over the last few months we have made great inroads – it’s great to be part of this exciting new journey.

Justin Kogel

Operational Director

While I have had many exciting opportunities, there are even more under the new structure. I am really excited to be part of this team as we look to expand and change the landscape of the insurance broking market. Partners& puts the clients’ best interests at the heart of what we do… It is great to work for a business with that ethos.

Ramzan Ghafoor

Client Adviser Leader - Corporate Insurance

It’s not about being the biggest, it’s about being the best. And we care! That’s what sets us apart.

Ed Finch

Managing Partner

“Hiscox are proud to work with Partners& as a key insurance advisory partner. Their advice driven, client centric approach sets them apart, and we enjoy a relationship built on experience and shared values.”

Ross Dingwall

Distribution Director, Hiscox Private Clients

Friendly, intelligent, up to the mark and full of common sense.

Richard S


Just wanted to say thanks for your amazing help with our recent claim – you’ve been an absolute star!


Tab Travel

Thank you so much for dealing with this so quickly and efficiently. What a rare pleasure it is to come across someone who gets things done without any fuss!

Mr P

Private Client

Having dealt with several insurers, I am pleasantly amazed by the speed and efficiency of their work!

Toby C

Academy of Ancient Music

I have had a few claims for various things over the years; The [claims department] take away all the stress from claiming, they know their job and do everything for you. I have recommended many friends [to Partners&], and will continue to do so.

D. McGee

Private Client


We’re here to help you ask the right questions, so that together, we can work on the best outcomes for you, your business and your people.

Group income protection helps ensure your people maintain a salary and overcome any hardship due to loss of income in the event they are unable to work. It enables you to bring in the skills to perform the role or service while your colleague is recuperating at a neutral cost to your business.

A valued feature on some policies is recovery and rehabilitation, which involves a professional assessment of the reasons for the illness or condition to help establish a reasonable recovery period and steps to put in place a phased return to work. It enables an employer to plan ahead and keep the business going.

Contact our team to discuss your needs.

We’d love to hear from you – give us a call or request a call back to discuss your business or personal insurance needs.