Protect your employees
by understanding
Group Risk

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We create awareness and understanding of group risk products and their benefits for employers and their workforce.

Group Risk Development (GRiD) is the industry body for the group risk protection sector, promoting the value to British businesses of providing financial protection for their staff, enhancing their wellbeing and engagement. Our membership has a collective wealth of experience built over years of operating in the group risk protection market.

What is Group Risk?

Group Risk is the umbrella term for three company sponsored employee benefits: Group Life Assurance, Group Income Protection and Group Critical Illness.

Employers may promise certain benefits (for example, occupational sick pay) to employees as part of the contract of employment. Rather than bear all of this risk themselves, many employers choose to take out group risk insurance policies to cover some or all of their liability. Provided in isolation or as 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 they are covered under one “group” policy. Group Risk benefits are highly valued as they provide financial protection for employees and their families, yet they are relatively inexpensive for employers compared with some other components of the typical benefits package.

Don't just take our word for it

GRiD has worked tirelessly over the years to build a reputation across government, agencies and industry bodies, and has positioned itself as the recognised and credible authority on all things group risk. GRiD has the standing and combined market insight to lobby and support all members of our industry to grow the market and to shape developing legislation. If your company is active in the group risk market, I am sure you will find GRiD membership invaluable


Group risk products


Life Assurance

This solution provides a benefit on an employee’s death, with a tax-free lump sum up to the Lump Sum and Death Benefit Allowance. Benefits can be provided via the Registered or Excepted Trust routes.


Income Protection

Provides an income during longer-term sickness absence, after any short-term occupational sick pay has ceased. May also include complementary interventions, which could reduce the duration of absence.


Critical Illness

Group Critical Illness works by paying a tax-free lump sum to an employee on diagnosis of one of a defined list of serious medical conditions or on undergoing one of a defined list of surgical procedures.

Find a contact

Our adviser, provider, and reinsurance members

We are proud to say that virtually all providers and reinsurance companies currently writing UK group risk business are members of GRiD, together with a significant and growing number of group risk advisers. 

The GRiD

Knowledge Centre

The GRiD knowledge centre is the main hub for news, articles, press releases, event information and learning resources. Please note that some of this content is only available for GRiD members to view. You can see our latest posts below and follow the link for the full knowledge centre.