Business Solutions

Protecting Your Most Valuable Assets

Employees Are The Cornerstone of Success

In any company, employees are the most valuable asset, so attracting and retaining talented staff is essential for business success and can significantly influence the company's trajectory. Effective HR strategies that include competitive financial and other benefits play a critical role in achieving this goal.

At GA Capital, we understand that providing attractive employee benefits is not just about offering perks; it's about investing in your workforce's well-being and securing your business's future, so we help you navigate the intricacies of employee benefits to ensure that your business remains competitive and that your staff are content and well-supported.


Group Medical Schemes

Medical expenses can be unpredictable and often occur at inconvenient times, so ensuring that your employees have access to good quality healthcare is not just a benefit but a fundamental need. Group medical schemes offer coverage that ranges from routine doctor visits to emergency medical evacuations. More importantly, they provide your employees with peace of mind, knowing that they are protected if they have a minor illness or a serious health issue.

GA Capital specialises in designing group medical schemes specific to the needs of the company by assessing your organisation's requirements and creating a medical plan that offers comprehensive coverage while balancing cost-effectiveness.

Group Life, Critical Illness, and Disability Insurance

While many companies offer group life insurance, fewer extend coverage to critical illness and disability. Group life insurance provides essential protection, but critical illness coverage can be a game-changer by covering serious conditions like cancer, heart attacks, and strokes and ensuring employees receive financial support during critical times.

Approximately 1 in 4 people will face a critical illness during their careers, making it even more important to provide this coverage. Our team at GA Capital ensures that you get the most value for your budget, helping you provide a comprehensive insurance package to your employees that is not only affordable but also a significant differentiator for your company.

Mandatory Provident Fund (MPF)

In Hong Kong, the Mandatory Provident Fund (MPF) is a key element of everyone's retirement planning, and with an ageing population and increasing life expectancies, the MPF system plays a vital role in securing employees' future. Employers often face challenges related to MPF, including scheme alternatives, managing employee queries, and navigating different provider options, so GA Capital provides guidance that helps you address these concerns and effectively manage your obligations. We ensure that your MPF scheme remains competitive and aligned with current market standards, thereby allowing you to focus on running your business while we manage the complexities.

Shareholder Protection

The unexpected loss or disability of a co-owner can pose a massive risk to a business, as when a shareholder's interest passes to an unforeseen party, whether a family member, partner, or a stranger, it can disrupt business operations and decision-making. A buy-sell agreement is one of the best tools to mitigate these risks and is a legally binding agreement that outlines the conditions under which shares can be sold, who can purchase them, and the pricing.

Implementing a well-structured insurance policy to fund this agreement can be a cost-effective solution as the premiums are typically lower than other funding options, and the benefits can be managed through trusts or other mechanisms that provide a seamless and efficient way to handle share transitions.

Business Continuation Planning

Business continuation planning is essential for managing risks that could threaten your business's stability, such as the death or disability of a key employee. It ensures that your business can continue operating smoothly if a significant disruption happens.

Key person insurance is one crucial component of this planning and protects your business from the financial impact of losing a key individual through death, disability, or critical illness. The insurance proceeds can be used to manage the immediate impact or to provide funds to investors in the event of business dissolution, and GA Capital will help you implement a business continuation plan that safeguards your company's future.

Key Person Insurance

Key person insurance (KPI) is critical for businesses where success and stability are closely tied to specific individuals. KPI covers the loss of a key person through death or disability and helps offset the financial impact on the company by providing money to help manage the transition or compensate for the loss and ensuring that the business can continue to operate and fulfil its commitments.

Investors often require key person insurance to protect their investment from the risk of losing a crucial individual, as by securing this insurance, you ensure that your business remains financially stable in the face of unforeseen challenges.