Employee programs
Strong, engaged teams are the foundation of every business.
How can we help you?
Employees who feel safe and have access to real support are more loyal, motivated, and build long-term organizational results. Well-designed insurance and capital programs are not just benefits – they’re a strategic tool in human resource management and building competitive advantage in the job market.
At ALTO, we support our clients in creating employee solutions that on one hand respond to real team needs, and on the other – optimize expenses for the employer.
Group Life Insurance
Standard group policies available on the market often don’t provide the level of protection employees expect. Low insurance sums prove insufficient in case of serious illness, costly treatment, or accidents. We help construct policies that consider your team’s specifics – its size, age, structure, and risk profile. Well-tailored insurance gives employees genuine security and gives employers an advantage in talent recruitment and retention.
Health Insurance
Access to private medical care is now one of the most frequently expected benefits. The problem is that rising premiums and subscription fees can heavily burden the HR budget. We analyze current solutions, check the scope of services, and negotiate insurer offers so that the program provides maximum value for employees with optimal use of employer financial resources. It’s a benefit that works – because it genuinely makes the team’s life easier.
Business Travel Insurance
Business trips carry employer responsibility for the safety of delegated employees or B2B contractors. The EHIC card alone is insufficient in case of hospitalization, serious accidents, or theft. Business travel insurance transfers these risks to the insurer – providing comprehensive treatment cost protection, 24/7 assistance worldwide, and coverage for unexpected event costs. Thanks to this, when sending employees on business trips, you have full confidence they are well protected.
Employee Capital Plans (PPK)
Although PPK are not insurance, they naturally complement the employee benefits package and build long-term financial security for the team. At ALTO, we support employers throughout the implementation process: from offer analysis and selection of the most favorable financial institution, through terms negotiation, to smooth program implementation in the company. Thanks to this, you gain certainty of full compliance with legal regulations and convenience for both employer and employees.
Your team


Paweł Stasiaczyk
Director of Property and Liability Insurance Practice & Insurance Broker +48 22 652 27 51 pstasiaczyk@altoadvisory.pl
Case studies


Tax
200% write-off under R&D relief vs. an individual interpretation
ALTOstratus
We enable clients to use the tools and applications we have created. They allow you to operate more comfortably and safer safely on a daily basis.