Twelve things an employee benefits broker should actually do between renewals. A renewal is one week of the year; the other 51 are where benefits either work or quietly become another job for HR. Hold your current broker to this list. Hold us to it.
Each one is observable. If you cannot see it happening, it is not happening.
Member movements, salary changes and cover amendments recorded as they happen, so the scheme data matches the workforce at any point in the year, not just at renewal.
New starters added and leavers removed on a schedule the client knows, with confirmation back, so nobody is discovered uninsured months later.
When a claim stalls or an insurer query drags, the broker carries it and reports back, rather than handing HR a reference number.
Virtual GPs, employee assistance lines, early physiotherapy and bereavement support often come included with insured benefits. The broker's job is making sure people know before the moment they need them.
Not a PDF from onboarding. A place that is kept current when schemes change.
Which dentist the cash plan covers, how to claim, whether a partner is included: answered by the broker, not routed through HR.
Every renewal date and rate-guarantee expiry visible months out, so decisions are planned rather than urgent.
Reporting season should be an export, not an archaeology project.
Where insurers provide claims or usage information, it gets read and fed into decisions, not filed.
A provider change or a new service is communicated to the people it affects at the time, in plain language.
The same people, by name, who know the arrangements. Not a rotating account team.
A broker who has run the scheme all year should be able to say what they would do, and why.
This is the standard. How a broker meets it may differ. This is how Alltoogether is built to meet it: see the other 51 weeks. Evaluating a broker this year? The 2026 broker checklist turns the standard into the questions to ask.
No industry body publishes one, which is why brokers get judged on the renewal alone. We wrote this list from running employee benefits schemes year round, and we hold ourselves to it. You are welcome to hold any broker to it.
It should not. Broking is paid by commission from insurers; appointing a broker who works to this standard adds no fee and no new cost line. The question is what the commission already being paid is funding.
Any insured employee benefit a UK broker arranges: private medical insurance, group life, group income protection, critical illness, health cash plans and dental. The standard is about how the scheme is run, whoever the insurer is.
The list is the same either way. We just built Alltoogether around it. If you want to see what the standard looks like running, the whole stall is on one page. Or see it in the product itself: take the employer tour. No form, no call.
See the other 51 weeks →