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Wraping Labels in Zend_Form_Element_Radio
public $radioDecorators = array(
    'ViewHelper',
    array('Description',array('tag'=>'div','class'=>'','placement' => 'prepend')),
    array('Errors',array('class'=>'error_message_show','placement' => 'prepend')),
    array(array('data' => 'HtmlTag'), array('tag' => 'div', 'class' => 'element')),
    array('label', array('class'=>'label_text','placement' => 'prepend')),
    array(array('rows' => 'HtmlTag'), array('tag' => 'div', 'class' => 'radio')),
);


    $offer_type = new Zend_Form_Element_Radio('offer_type', array(
                'label' => 'Label I'd like to wrap with inputs',    //Label to wrap
                'required' => true,
                'description' => '',
                'decorators' => $this->radioDecorators,
                'multioptions' => array (
                    'standard' => 'standard',
                    'premium' => 'premium',
                ),
            ));
    $this->addElement($offer_type);

$offer_type = new Zend_Form_Element_Radio('offer_type', array(
    'separator' => '</li><li>',
    'decorators' => array(
        'ViewHelper',
        array(array('liWrapper' => 'HtmlTag'), array('tag' => 'li')),
        array(array('ulWrapper' => 'HtmlTag'), array('tag' => 'ul')),
        // the rest
    )
));