Employer Covenant Report service

Since the introduction of the 2004 Pension Act, trustees are expected by the Pension Regulator to make their own assessment of the employer covenant.

They recommend that this includes an explanation of how they reached their conclusions on covenant strength and what independent advice has been taken. Quite understandably, this can be an onerous responsibility for trustees as it requires access to potentially confidential financial records, often results in an awkward conflict of interests and, trustees risk personal liability unless they can demonstrate that they have acted to safeguard members’ interests.

Ensors’ specialists provide a professional, independent and, above all, cost-effective service for trustees of defined benefit pension schemes. We pride ourselves on our attention to detail, early recognition of potential risks and ability to provide sound, practical advice to protect trustees.

We recognise that the skills and knowledge of trustees varies from one scheme to another, therefore we work with you to provide a service that compliments existing expertise and delivers a truly independent review.

Why choose us?

  • Specialist team providing professional and independent advice.
  • We pride ourselves on our attention to detail and early recognition of potential risks.
  • Cost-effective service for trustees.
  • Locally based, yet with the technical skills and resources associated with larger firms.


Robin beadle
10th August 2022

Financial Focus on Garden Tax Relief