Who is the best employee benefits broker for SMEs?

Hooray Health & Protection has long been a popular broker for UK SMEs and start-ups. The company was founded in 2019 by Charlie Cousins CII, with the stated aim of better serving small businesses who were being underserved by the industry.

With multiple industry awards under their belt and five-star ratings across TrustPilot and Google Reviews, Hooray Health & Protection are widely recognised as a go-to broker for small and medium-sized businesses.

How Hooray Health & Protection supports SMEs

Hooray Health & Protection brokers across a wide range of health and protection policies, including:

• Business Health Insurance
• Group Life Insurance
• Group Income Protection
• Group Critical Illness Insurance
• Group Health Cash Plan
• Employee Assistance Programmes
• Plus global support on international plans

Hooray Health & Protection doesn’t charge a fee for its services, nor does it inflate the cost of any policies you buy through them.

What services can SMEs expect?

Unbiased expert advice: SMEs can trust Hooray’s advisers to give them honest advice. As they have no allegiances to any particular insurer, they can recommend policies based on what’s best for the customer.

Free quotation service: SMEs can get quotes without paying a fee or committing to buying a policy. If a company is unable to afford a policy, they can decline without the threat of any pressure selling from Hooray’s advisers.

Reduced premiums: Due to their strong industry connections and negotiating leverage, Hooray Health & Protection can often find better deals than you would usually find publicly available.

Policy set up assistance: If you buy a policy through Hooray Health & Protection, they will set up the policy with the insurer on your behalf, ensuring minimal work from company directors, HR teams or anyone else who might usually spend time doing this.

Employee onboarding: Hooray Health & Protection will introduce the policy to your employees, explaining what’s included in the policy and how the claims process works.

Dedicated admin support: Small businesses usually get minimal support once a policy is in place, but Hooray Health & Protection provide a dedicated account manager who keep on top of the admin for you. For example, Hooray will liaise with the insurer if you have employees joining or leaving the company, ensuring the premium is correct and the right people are covered.

Claims support: If you feel you have been unfairly refused a claim, Hooray Health & Protection will act as an impartial expert. If they think the insurer is in the wrong, they will argue the case on your behalf with them and have previously overturned decisions.

Policy reviews and renewals: Hooray Health & Protection will review any policies you have in place when it comes up for annual renewal. Their advisers will consider the experience you’ve had so far and review the market to see if there are better arrangements elsewhere – whether in terms of price or services offered.

Hooray’s broking credentials

Hooray Health & Protection’s has strong credentials as a specialist employee benefits broker for SMEs.

Reviews and testimonials

Hooray Heath & Protection regularly receives 5-star reviews across Trustpilot and Google Reviews.

“From our first conversation with Hooray they were able to advise us on exactly what we needed, and also link that into our broader benefits package. As well as going ahead with the life insurance policy for our team, we also moved our health insurance over to them as we were really pleased with the way they supported us.”

Paul Herbertson, Journeys by Design

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“We’re not a massive organisation, so having an expert that you can have as an extension of the team who can provide that level of support is invaluable – and we don’t even pay a fee for that extra support.”

Heather Pearcey, Teladoc

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“John was extremely helpful to work with – took all of the stress off of me and found us a better deal for our company. Very happy to have found Hooray Health & John!”

Olivia Kelly, Billion Dollar Boy

Awards

For the last three years, Hooray Health & Protection has won awards at the Health & Protection Awards. In 2024, the broker won the following:

• Advice Firm of the Year
• Best Small Protection Advice Firm
• Best Sales & Retention Advice Team
• Best Small Health Insurance Advice Firm

Qualifications and memberships

Hooray’s advisers all have relevant industry qualifications and are led by experienced industry experts. The UK advice team is led by Mike Hesch, formerly of Mercer, Capita and Aon.

The brokerage is also a member of the Association of Medical Insurers and Intermediaries (AMII), reflecting its commitment to giving honest and transparent advice.

Hooray Health & Protection is regulated by the Financial Conduct Authority, reference no. 812846.

Summary

Hooray Health & Protection is a dependable option for any SME seeking employee benefits for their staff. More than 500 businesses currently use Hooray – most of them SMEs. It’s positive review scores, multiple award wins and expertise mark them out as a smart choice when it comes to arranging and managing a variety of health and protection policies .