Protect what
you've built
with rigour.
Adler & Rochefort is the insurance agency specialised in business and professional protection. We analyse, negotiate and manage the right coverage for your business.
Coverage built
for businesses
Every sector has specific risks. Our approach starts by understanding your business in depth before recommending any solution.
Business Multi-Risk
Comprehensive protection of your premises, equipment, stock and liability, in a single policy structured in detail for your activity.
Learn moreProfessional Liability
For consultants, lawyers, engineers, doctors and all professionals whose advice has value — and can have consequences. Protection against errors and omissions.
Learn moreFleets & Transport
Centralised fleet insurance management, per-vehicle premium optimisation and claims analysis for transport and logistics companies.
Learn moreCyber Risks
Coverage against cyber attacks, ransomware, data breaches and digital liability. Essential for any business with an online operation.
Learn moreConstruction & Works
Contractor's All Risk, contractor liability and specific coverage for construction, renovation and infrastructure projects.
Learn morePeople & Benefits
Health, life and workplace accident insurance for employees. Benefits that retain talent and demonstrate responsibility as an employer.
Learn morePrecision where
it matters most
We don't sell insurance. We build protection architectures for businesses that cannot afford to be poorly covered.
We work with the best
Who is by your side
Hugo Gonçalves
Hugo Gonçalves is the driving force behind Adler & Rochefort, combining extensive experience in global business with a unique specialisation in insurance consultancy for the demanding Portuguese market. His vision is clear: to provide private and corporate clients with risk management that transcends the traditional policy.
With a degree in Business Management from the University of Hertfordshire and ongoing training at the prestigious Chartered Insurance Institute (CII), Hugo embodies rigour and excellence. This academic foundation, combined with nearly twenty years at the forefront of global tourism technology at companies such as Hotelbeds (HBX Group), gave him a unique perspective on the needs of high-net-worth clients and the complexities of international asset protection.
Since founding Adler & Rochefort, Hugo has been redefining the role of the insurance broker in Portugal. He has focused on cultivating strategic partnerships with renowned insurers such as Hiscox, Allianz and Zurich, and on integrating cutting-edge insurtech solutions. The result is privileged access to the most sophisticated and effective protection solutions, from business insurance to policies for private clients.
His working philosophy is rooted in the conviction that true luxury is the absence of worry. Hugo is dedicated to a meticulous analysis of each client's needs, designing tailored insurance solutions that safeguard their assets and ensure the continuity of their lifestyle in Portugal, always in compliance with ASF supervision.
What businesses
need to know
Guide to mandatory insurance for companies in Portugal: what the law requires by sector
Learn about mandatory insurance for companies in Portugal, those that apply across all activities and those specific to each sector.
Read articleMandatory insurance for hospitality and tourism: what the law requires and what truly protects
Hotels, short-term rentals and tour operators have specific legal obligations regarding insurance. Learn about mandatory and recommended coverage.
Read articleInsurance for distribution companies: protecting the chain that drives the business
Distribution companies face unique risks: goods in transit, fleets, warehouses and civil liability. Learn how to protect the entire logistics chain.
Read articleReal estate partnerships: how client referrals generate revenue and value for everyone
Discover how real estate agencies can generate additional revenue by referring clients for home insurance, mortgage life insurance and condominium insurance with commission sharing.
Read articleWhen was the last time you reviewed your business policy?
58% of companies have never reviewed their policy after the initial signing. Discover why an annual review can prevent losses of thousands of euros.
Read articleCar insurance: what you really need to know before signing up
Choosing the right car insurance goes beyond price. Discover the essential coverage, the most common mistakes and how to ensure real protection on the road.
Read articleHome multi-risk insurance: protecting your home means protecting your assets
Mandatory fire insurance doesn't cover water damage, theft or liability. Find out what you really need to protect your home.
Read articleWhat happens when your consultant makes a €500,000 mistake?
Professional liability insurance protects much more than reputation. We analyse real cases and what companies should demand in their policies.
Read articleRansomware in Portugal: 3 in 10 companies were attacked in 2025
The numbers are alarming. And most companies discovered their insurance covered nothing. What must be included in a cyber risk policy.
Read articleThe silent mistake costing Portuguese companies millions every year
Outdated insured values. A common practice that turns insurance into false protection. How to identify and correct before it's too late.
Read articleFleet insurance: 5 mistakes that inflate premiums without improving coverage
Managing a business fleet requires a policy designed in detail. Discover the most common mistakes and how to save up to 30% on the annual premium.
Read articlePersonal liability of directors: the risk few know about
Directors and managers are personally liable with their own assets for management decisions. Learn how D&O insurance protects those who lead.
Read articleConstruction insurance: mandatory, but rarely done well
Most construction insurance covers only the legal minimum. Learn the essential coverage that protects the owner, the contractor and third parties.
Read articleQuestions? We have answers.
Ready for
real protection?
Book a free analysis. Within 48 hours we identify gaps, compare alternatives and present a concrete plan — no obligation.