Employers can choose from five different sets of staff benefits by logging on to Guardian Employee Benefits' new web site.
The insurer believes its Employment Protection Menu will revolutionise the market for brokers targeting businesses with between 50 and 500 staff.
The product's launch follows research by PricewaterhouseCoopers on company attitudes to flexible staff benefits.
This revealed that more than 50% of those employed at medium-sized companies expect more flexible working practices will be needed over the next ten years.
But, less than half the employers in the survey were planning to introduce such practices in the next two years, despite two-thirds of staff being in favour.
Employers can select from five different Guardian menus to suit budget, workforce or human resources strategy, and a separate option for executives.
The cost of each scheme is expressed as a fixed percentage of the combined salaries of those employees covered.
This seeks to overcome some employers' reservations about flexible benefits packages, namely their apparent cost comparative to payroll and administrative burden.
Ray Milne, Guardian managing director, said: "We believe the Employee Protection Menu will open up the employee benefits market."
The Guardian web site address is www.guardianeb.co.uk.