If your business is employing qualified staff, the latter may represent an important asset to your firm, and therefore influence its value. Considering group coverage may bring your staff to feel even more concerned as to the results of your firm and take an even more active role in its development.

There are many schemes which can be considered, examples as follows:

	Top-up medical Pension plans Death benefit Executive coverage (mandatory) Loss of income following temporary disability
Apart from these which are totally to the benefit of the employee, other schemes may be of benefit to the firm itself:
	Travel assistance and repatriation Replacement staff for frequent travellers should they be suffering from a medical condition whilst representing the firm abroad on business End of career indemnity
Specifics applicable in the Principality of Monaco only:
	Employers' liabilities to cover employees work accidents at work and on the direct way to/from work. Coverage is only available for employees officially in the Social System. It will be charged as a percentage of annual salaries, where a deposit premium is being paid at the beginning of the year and an adjustment at the end of the year when total salaries paid will be known The Monegasque Social Security (Caisse de Compensation des Services Sociaux) offering different reimbursements on medical expenses compared to its French equivalent, specific schemes will need to be considered

The Eric Blair Network can provide these schemes.