The Breathe Partner Programme helps insurers to reduce people-related risk before it becomes a claim, with HR and health & safety controls embedded into how SMEs run their business, as part of an insurer's preventative risk toolkit.
Most SME policyholders don’t have formal people risk expertise. We help insurers influence safer behaviour, improved documentation and strengthened risk quality across your SME portfolio while delivering clear, measurable value.
✔ dedicated support ✔ exclusive benefits ✔ added value for both insurers and their SME customers
Breathe is a digital people operations platform used by more than 17,000 UK SMEs.
For insurers, it provides a consistent, preventative framework for managing people risk in businesses without internal HR or health & safety teams.
That makes Breathe especially relevant for insurers writing:
People-related risk is a major driver of avoidable SME claims. Yet most small businesses:
For insurers, this leads to:
Traditional risk services are passive and rarely adopted.
Breathe is a highly valuable tool for our SME clients. The platform reduces time, costs, and organisational risk, particularly in areas such as compliance, employee relations, and record‑keeping.
Breathe enables clients to manage their HR with confidence and reduce exposure to avoidable HR‑related risk. Tee Aujlay, Head of HR Services
Built for founders, ops leads and office managers, not just HR specialists. Driving higher adoption and sustained engagement.
We prioritise accountability, consistency and evidence. The things that directly affect claims.
Early signals, clear ownership and structured records reduce escalation over time.
No complex integrations or operational burden. Breathe manages onboarding, support and ongoing usage.
As a preventative risk or value-added service aligned to your portfolio.
Including setup, training and ongoing support if you choose to refer.
Managing people and workplace responsibilities in one system.
Better behaviour, clearer records, fewer avoidable claims.
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With Breathe, insurers see:
Breathe supports insurers who are:
We help insurers influence people risk before it escalates — using a platform SMEs actually engage with.
SME claims inflation, documentation gaps and people-related disputes are increasing, while insurers face growing pressure to improve loss ratios and differentiate without adding complexity.
Breathe enables insurers to move beyond reactive, claims-only models and influence people risk before it escalates, using a platform SMEs already engage with.