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
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.
