Pensions and Benefits

Pensions and Benefits

Employee benefits can be a profound statement of support for the people working in your business.

By law, every employee must now be automatically enrolled in a pension scheme, to which employer contributions will be compulsory. This could have a major impact on your finances - but we can help you adapt to meet the new requirements.

We can also guide your employees through the high seas of the investment world. You can maintain complete control, while your employees enjoy flexibility and choice as to where, how and for how longs the funds are invested.

La Playa can help you get expert cover in:

 

Health Insurance
Health insurance is a flexible benefit that enables your staff to seek treatment immediately and help them get back to work sooner. This is particularly important for key employees whose absence would adversely impact the business. We can also help with health screening and staff wellbeing services.

Typical cover includes:
• Appointments scheduled to suit your diary
• Access to experienced consultants and medical experts
• Some services come with 24 hr access to a GP or counselling
• Access to the latest drugs and treatments

Income Protection
What's your plan if a member of your staff is ill on a long-term basis? Does your business have the means to support an employee on long-term sick leave?

Income protection works by contributing a percentage of salary to help in the event of long-term incapacity. It reduces employees’ reliance on the state and/or discretionary employer sick pay schemes. Linked to your liability insurance, this can then reduce any settlement figure for loss of earnings.

Cover can include...
• Continued benefit if your employee returns to work in a reduced capacity, with a reduced salary
• Under the current rules, payments can be tax-free (although this may change in future)
• Rehabilitation support, to help employees get back to work healthily

Life Insurance
If one of your employees died, can you offer any financial protection for their family?
We'll talk through your options in providing life assurance for staff, giving them peace of mind that their dependants have some financial security on their death. This is usually by way of payment of a multiple of their salary.

Pensions
By law, every employee must be automatically enrolled in a pension scheme, to which employer contributions are compulsory. We can help your business manage the impact this has on its bottom line.

We can also guide your employees through the high seas of the investment world. You can maintain complete control, while your employees enjoy flexibility and choice as to where, how and for how longs the funds are invested.

Find out more with our guide to auto-enrolment

Pensions And Benefits Woman In VR Headset 1

“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.”

George, La Playa business client

 

Ready to work with us?

You can call us to talk more about your business on +44 (0)1223 200650 or +44 (0)20 3865 0149

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About La Playa Media & Digital

Specialist & Independent

Specialist & Independent

La Playa's specialist Mediatech team can help you protect your business with smart, flexible, high-performance insurance - with a friendly human UI. We understand the risks and pressures you face - and we speak your language. We’ll support you with great advice - helping you make good decisions for your organisation. Our exclusive portfolio policies can help streamline costs, and we’ll always help you stay ahead of the game in managing risk.

In-house IFA

We also offer Business Protection (including Key Person Insurance) and Employee Benefits: a joined up approach with a team of advisers working for your best financial interests - all under one roof

Advice You Can Trust

…from an expert who understands you

Tech-based business is 24/7, global and borderless, exposing you to new risks and liabilities - often in unfamiliar places. As the law struggles to keep pace with technology, insurance can provide a real safety net if you fall foul of changing legislation.

  • Specialist insurance for media and digital businesses
  • Independent professional advice
  • Relationship-based service: right beside you when you make a claim
  • “Can do” culture
  • Seamless insurance across UK and US

Are we right for each other?

What sets us apart is the advice we offer: we really know our stuff. We listen, we analyse, we advise you on how to eliminate or mitigate your risk, and how to protect yourself against what remains. We may not be the cheapest option – so if an off-the-shelf policy and call centre queues work for you, be our guest. But if you need some advice on identifying your risk areas, how to structure your insurance most efficiently and effectively, and how to adapt it to the changing dynamics of your work or life – with hand-holding and close attention to detail - you’ve come to the right place. Welcome to the family!

What does “Boutique Service” actually mean?
La Playa’s Personal Risk Concierge means:

  1. dedicated adviser so you can speak to the same person each time
  2. Careful listening to really understand your needs and priorities
  3. As much help as you need with completing forms to provide risk information
  4. A discreet and complimentary appraisal* of your property to assess the risks and ensure you have the right cover where you need it
  5. An independent market review - so you don’t have to shop around comparing policies, cover limits, risks covered and smallprint exclusions
  6. Careful monitoring of the insurers’ financial strength, claims and customer service
  7. An independent recommendation of the best policy for you - and, importantly, why
  8. Specialist policy wordings from underwriters who have demonstrated excellence and deep understanding of your risk exposures. We have analysed a wide range of policy wordings and have selected only the best for our panel. Our advisers have a deep working knowledge of these policies 
  9. An intelligently designed portfolio of protection across multiple asset classes and territories
  10. Advice on how best to manage your risks - to keep you safe but also to keep insurance costs down
  11. Expert guidance on valuations, security and risk management, and connecting you with specialist advisers and suppliers
  12. Direct phone, mobile and email access to your adviser for questions and advice. We aim to respond to emails within 60 minutes
  13. Policy documents emailed to you - no logins and passwords to remember
  14. An advocate beside you if you make a claim - thinking laterally to mitigate the impact, making useful connections to get you back up and running; driving through to a swift and fair financial settlement

Oh, and...

  • No call centres
  • No ‘hold’ music
  • No hidden fees

*subject to availability with our insurer panel

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