Private healthcare for marketing SMEs

Private healthcare for marketing SMEs

What private health cover is there for marketing SMEs? Discover more about health benefits and insurance for marketing employees.

The UK is a global leader in the creative industry, employing over 2 million people and generating over £100 billion per year. Despite this, marketing and advertising companies in particular are constantly developing a combination of new, and often complex risks. Small and medium sized enterprises (SMEs) often don’t take ownership of understanding these risks, and as such, can be left unprotected.

From health insurance to client negligence, it’s important to understand what cover you will need for a marketing SME.

Company health insurance plans

What kinds of insurance and cover is there available for SMEs?

There are many types of commercial SME insurance cover for businesses that are small to medium in size. An SME is generally defined as a small to medium sized enterprise with fewer than 250 employees and it is important the insurance policy is tailored to the size and industry of your organisation.

According to the FSB (National Federation of Small Businesses) at the start of 2021 small and medium sized businesses accounted for 99% of the UK business population but many organisations still use insurance policies that are designed for global corporations, and some don’t buy insurance at all!

At Equipsme, we offer health insurance plans for Marketing SMEs and all kinds of small and medium sized enterprises, from different industries, which can be tailored to the needs of the business.

What kinds of insurance should Marketing SMEs consider?

Marketing agencies have a range of risks relating to their premises, staff and customers alongside their statutory responsibilities. When comparing prices and quotes, make sure you take particular note of limits, excesses, exclusions and geographic coverage.

Insurances that a marketing SME may consider include:

Cyber insurance

Did you know that in 2020, a survey found that nearly half of businesses in the UK were hit by a cyber-attack in one year? Data plays a crucial role in the creative industry, from analysing results, managing research, implementing campaigns and running social accounts. Should a cyber-attack or data breach happen, cyber insurance can protect your business.

Employers’ liability insurance

As soon as any SME takes on staff, they are legally required to have employers’ liability insurance. This will cover the business if a member of staff sustains an injury or becomes ill as a result of working for your company and will protect you from any fines.

Office and equipment insurance

Many marketing SMEs have valuable equipment, from expensive filming tools to laptops and the software on them. All of this will need protecting, and office and equipment insurance can cover this.

Intellectual property/trademark

Intellectual property insurance will protect you against any breaches of copyright or alleged claims of the misuse of information protected by others.

Professional indemnity

Professional indemnity insurance covers you in the event that you give inaccurate advice to clients. This is particularly important for marketing SMEs.

Health benefits and insurance

Not all SMEs provide their employees with private health cover, and employers are not required to offer it by law. However, there are many benefits to offering your employees comprehensive health cover.

Why use Equipsme for your small business healthcare?

There are a lot of private health cover providers out there to choose from, but we think you’ll find working with Equipsme to be different, and most importantly, easy.

  • You can trust our cover. Because we partner with some of the most well-respected health service providers in the UK including one of the biggest insurance companies in the UK, AXA Health. This means you can trust that we deliver quality and reliable health cover for you and your employees.
  • No medical questions required – no medicals or complicated questionnaires to complete when you apply. We have a simple exclusion of pre-existing conditions in the three years before cover starts.
  • Add family members – your employees have the option of paying to add their spouse/partner, plus children up to the age of 25. The first child is half price, with up to five other children covered for free.
  • We’re here to help. We don’t provide advice but if you need help understanding our plan benefits and options before deciding on the best Equipsme health insurance plan for your business and your team, or just want to chat, we’d be happy to speak to you.

How much does private health cover cost for SMEs?

The cost of health benefits and insurance for SMEs varies greatly depending on the nature of your business. The level of cover you need, alongside the number of employees, are just two factors that impact the overall cost of your health insurance plan.

At Equipsme we provide bespoke health packages tailored to SMEs. Our small business health insurance plans start at £7pppm. If you’re looking to provide your employees with a more comprehensive plan, we have other options priced at £18pppm, £30pppm and £42pppm. Our £30 plan has proven to be our most popular.


Meet our trusted providers

Meet our trusted providers

Whose services make up our award winning and industry leading Equipsme health insurance plans

Equipsme plan services are backed and delivered by some of the biggest and most well-respected organisations in their field, so you really know you’re in safe hands.

  • AXA Health – one of the UK’s leading health insurance specialists
  • Health Hero – Europe’s largest digital health provider offering remote access to experienced doctors.
  • Thriva – forward thinking home based health testing and tracking.
  • Health Assured – award winning wellbeing services covering mental, physical, financial and legal support.