Business 360
The industry-leading insurance service for businesses and their employees. A fully advised, end-to-end business protection and employee benefits service — with a dedicated account manager who knows your business.
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What is Business 360?
Protecting your business is a must.
Our approach is truly bespoke to you and your business as well as being fully advised. Your own dedicated account manager to help you protect your business and/or your employees. We provide a holistic approach ensuring business risk and goals are matched to budget and wellbeing with employees truly understanding their benefits.
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Protect your business
Business 360 begins by researching your business in advance of our consultation. We then look to discuss the facts, your objectives and priorities as well as your budget. We start with the business which includes cover for:
- Shareholders Protection
- Key Person Insurance
- Business Loan Protection
Protect your employees
We then go on to understand your existing cover or appetite for Employee benefits, including Directors and key people, paid for by the business.
These include:
- Relevant Life - Life insurance for Directors and key employees
- Exec IP - Income protection for key people
- Group Risk - Life insurance for your employees also known as death in service
- Group IP - Sick pay for your employees
- Group CIC - Critical illness cover for your employees
Furthermore to promote wellbeing and employee retention, we can also help with:
- Business private medical insurance
- Group private medical insurance
Support your employees to compliment the cover you have provided
This is where Cover Direct goes above and beyond. You can only do so much to protect your employees in their financial stability. We then ensure your employees not only understand their benefits but we offer personal consultations under your brand to help them discover gaps in their protection against their own unique circumstances. Personal protection options available include:
- Income protection
- Critical illness cover
- Life insurance (mortgage and family protection)
- Private medical insurance
Who is Business 360 For?
Business 360 is designed for business owners who want more than a transactional insurance purchase. It is
particularly well-suited to:
- SMEs with 5–200 employees who want to protect the business and provide meaningful employee benefits without managing multiple separate adviser relationships
- Directors and shareholders who need both personal protection (life, critical illness, income protection) and business-level cover (key person, loan protection, shareholder agreements) coordinated in one place
- Growing businesses who want a scalable, reviewed protection strategy that evolves as the company grows — not a one-off policy purchase
- Businesses with existing cover who are not sure whether what they have is still appropriate, still competitive, or correctly structured
~ Edward Durell, Cover Direct
The Business 360 Journey
- Step 1 — Pre-consultation research: Your dedicated account manager researches your business before the first meeting — company structure, existing cover, key people, and financial obligations.
- Step 2 — Consultation: We meet (in person or online) to discuss your business objectives, priorities, budget, and appetite for risk. We listen before we recommend.
- Step 3 — Business protection review: We identify the right combination of Key Person, Shareholder, and Loan Protection for your business. We handle trust arrangements and legal alignment.
- Step 4 — Employee benefits design: We design a benefits package suited to your workforce — from group life and income protection to private medical insurance and wellbeing services.
- Step 5 — Employee education: We provide personal consultations to your employees under your brand, helping each person understand their benefits and identify any personal protection gaps.
- Step 6 — Ongoing management: Your account manager reviews your cover annually, manages leavers/joiners and renewals, and ensures your protection strategy evolves as your business does.
Why Business 360 Rather Than a Standard Broker?
Your Co-Branded Employee Portal
Once your business protection and staff benefits are in place, Cover Direct creates a co-branded online journey for your employees. Branded to your business, it allows each employee to:
- Understand the benefits their employer has already provided for them
- Identify any personal protection gaps — mortgage, family, income
- Access independent advice from a Cover Direct adviser at no cost to them
This is Cover Direct going beyond the sale. Most brokers arrange the employer policy and stop there. We ensure
your employees actually understand and value what you have provided — which improves retention,
engagement, and financial wellbeing across your workforce.
Our service
We start by understanding clients’ unique requirements.
Bespoke requirements, busy lifestyles and high expectations are all catered to through our process. Delivering the service you expect in a manner you are accustomed to.
Every day people are making life changing decisions.
Read our case studies to understand how we can help with your own circumstances
Common questions about Employers 360
Business 360 is most impactful for businesses with at least five employees or multiple shareholders. Sole traders and micro-businesses can still benefit from the business protection element (Key Person, Loan Protection), but the employee benefits and co-branded portal elements are more relevant from five employees upwards. Speak to a Cover Direct adviser — we will tell you honestly whether Business 360 or a simpler approach is the right fit.
Business 360 is an advised service — Cover Direct is remunerated via commission from insurers when policies are placed, meaning there is no additional fee for the advice, consultation, or ongoing management. The cost of the underlying insurance policies depends on your business size, the people covered, and the benefits chosen. Your account manager will provide a clear breakdown of all costs before any policy is arranged.
For most businesses, the initial consultation, research, and recommendation stage takes 2–4 weeks. Policy placement can happen quickly once you are happy with the recommendations. The employee engagement stage runs in parallel and can be phased in over the following weeks. Your account manager will agree a timeline with you at the outset.
Absolutely — in fact, this is one of the most common starting points. We will review your existing policies, identify any gaps or misalignments, and recommend whether to retain, restructure, or replace each one. There is no obligation to change everything — our goal is to ensure what you have is correctly structured, competitively priced, and still appropriate for your business as it is today.
FCA Regulated. Independent. Committed to Your Business.
Business 360 is delivered by FCA-regulated advisers who are authorised to provide independent advice across business protection, group risk, and personal protection products. We are not tied to any insurer — our recommendations are based on what is right for your business, not what earns us the best commission. Every recommendation comes with a clear explanation of costs, tax treatment, trust structures, and what happens at claim stage. We operate with full transparency because the businesses we work with deserve nothing less.
5 star Life Insurance.
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