Group Risk

What is Group Risk?

Group Risk is an umbrella term for three company sponsored employee benefits: Group Life Assurance, Group  Income Protection and Group Critical Illness cover. Group Risk benefits are often (but not always) fully insured, to transfer the risk away from the Employer to an Insurance Company.

Provided in isolation, or as a part of a wider benefits package, these Employer sponsored products can give employees access to insured protection cover either at a reduced rate or free of charge as the are covered under one ‘group’ policy. This is potentially more readily available than individual cover since most employees do not generally need to provide medical details before cover is granted.

Group Risk benefits are highly valued as they provide financial protection for employees and their families, yet potentially they are relatively inexpensive for Employers, compared with some other components of a typical benefits package.

Horlock Holdcroft’s approach to Group Risk

We aim to build a long and mutually rewarding relationship with all our clients, both on a corporate and individual basis. We maintain a strong focus on meeting and exceeding our clients expectations and the bespoke service we provide is tailored to each individual client.

We believe that our corporate clients should only pay us for the services they need and use. To this end, we have set out our services and charges in a clear and transparent manner, using a ‘menu’ basis, thereby enabling our clients to select the required level of service that they wish us to provide.

We understand that some clients may require our full support in administering and servicing their Employee Benefit provisions, whilst other clients may only need or expertise in specific areas, such as scheme reporting and employee communications. Whatever your needs, we are confident that we can advise on a suitable solution for you.


If you would like the opportunity to discuss any issues that concern you, please contact our team for more details on our services at or by calling the office directly on 01825 766 130.