Adler Pro Adler One Services Why us Insights Contact
PT EN
A&R
Insurtech · AI-Powered 360 Protection

Technology that
protects your
business.

Adler & Rochefort is an insurtech combining insurance brokerage with AI-powered platforms. Adler Pro delivers 360 protection for businesses. Adler One simplifies insurance management for individuals. Less paperwork, more protection.

+400
Corporate clients
12
Years of experience
98%
Claims resolution rate
Free Analysis · No Obligation
Find out if your business is truly protected
Insurtech Adler Pro Adler One 360 Protection Artificial Intelligence Policy Management Fleet Management Claims Management Insurtech Adler Pro Adler One 360 Protection Artificial Intelligence Policy Management Fleet Management Claims Management
Business Platform

Adler Pro

360 protection for businesses, powered by artificial intelligence. A single platform to manage all policies — regardless of insurer — and focus on what matters: protecting the business, not filling in forms.

Centralised policy management across any insurer
Automatic alerts for renewals and capital insufficiency
Detection of exclusions and deductibles impacting your business
Severe weather alerts and risk notifications
Fleet management and claims analysis
Client credit risk analysis
End-to-end claims management
All managed by AI — less admin, more protection
Adler Pro · Dashboard
360°
Complete protection
24/7
AI monitoring
-70%
Admin time saved
+400
Businesses protected
Adler One · Your protection
1
Single platform
AI
Smart suggestions
0
Unnecessary paperwork
100%
Full control
Individual Platform

Adler One

Smart management for your personal insurance. Adler One brings all your policies together in one place and uses artificial intelligence to simplify payments, manage claims and suggest improvements to your protection.

All your policies in one place
Simplified claims management
Payment and renewal tracking
AI suggestions to optimise protection and costs
Areas of Expertise

Coverage built
for businesses

Every sector has specific risks. Our approach starts by understanding your business in depth before recommending any solution.

01

Business Multi-Risk

Comprehensive protection of your premises, equipment, stock and liability, in a single policy structured in detail for your activity.

Learn more
02

Professional Liability

For consultants, lawyers, engineers, doctors and all professionals whose advice has value — and can have consequences. Protection against errors and omissions.

Learn more
03

Fleets & Transport

Centralised fleet insurance management, per-vehicle premium optimisation and claims analysis for transport and logistics companies.

Learn more
04

Cyber Risks

Coverage against cyber attacks, ransomware, data breaches and digital liability. Essential for any business with an online operation.

Learn more
05

Construction & Works

Contractor's All Risk, contractor liability and specific coverage for construction, renovation and infrastructure projects.

Learn more
06

People & Benefits

Health, life and workplace accident insurance for employees. Benefits that retain talent and demonstrate responsibility as an employer.

Learn more
Our difference

Not an agency.
An insurtech.

We combine insurance brokerage with proprietary technology and AI to deliver a level of protection and oversight that the traditional industry simply cannot match.

01
Analysis before the solution
We start by mapping all risks in your business before suggesting any policy. Free diagnosis with no obligation.
02
Direct negotiation with insurers
Our scale and track record allow us to negotiate terms and premiums not available in the retail market.
03
Proactive claims management
When the worst happens, we're on your side. We manage the process end to end to ensure you receive what you're entitled to.
04
Mandatory annual review
Your business changes. Your insurance must keep up. We audit all coverage annually to detect gaps before they become problems.
The difference between a company that survives a crisis and one that doesn't is rarely its size. It's its preparation.
Adler & Rochefort Team
"We had three different policies covering the same things while leaving gaps in others. Adler & Rochefort simplified everything, improved coverage and reduced our annual cost by 23%."
Ricardo Mendes
CEO · Food distribution group
"When we had a cyber incident, the Adler & Rochefort team handled everything. Within 72 hours we had a response from the insurer. Without them it would have been a nightmare."
Ana Ferreira
CFO · Technology company
Partner insurers

We work with the best

Our team

Who is by your side

Hugo Gonçalves — Founder of Adler & Rochefort

Hugo Gonçalves

Founder & Risk Management Specialist

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.

Insights & Analysis

What businesses
need to know

View all articles
Imagem do Blog - car insurance complete guide
Car Insurance
March 2026

How to choose the best car insurance in Portugal: complete guide 2026

Complete guide to choosing the best car insurance in Portugal. Coverage comparison, tips to save on premiums and what changes in 2026.

Read article
Imagem do Blog - health insurance portugal
Health Insurance
March 2026

Health insurance in Portugal: complete guide to protecting your family

Everything you need to know about health insurance in Portugal: how it works, NHS vs private insurance, and how to choose the ideal plan.

Read article
Imagem do Blog - home insurance protect property
Home Insurance
March 2026

Home insurance in Portugal: how to choose the right protection for your property

Practical guide to home insurance in Portugal: mandatory coverage, building vs contents insurance, and how to protect your property at the best price.

Read article
Imagem do Blog - seguros obrigatorios empresas portugal
Legal Guide & Compliance
March 2026

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 article
Imagem do Blog - seguros obrigatorios hotelaria turismo
Hospitality & Tourism
March 2026

Mandatory 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 article
Imagem do Blog - seguros empresas distribuicao
Distribution & Logistics
March 2026

Insurance 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 article
Imagem do Blog - parcerias imobiliarias comissoes
Partnerships & Referrals
March 2026

Real 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 article
Imagem do Blog - revisao apolice empresarial
Insurance Management
March 2026

When 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 article
Imagem do Blog - seguro individual automovel
Personal Insurance
March 2026

Car 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 article
Imagem do Blog - multirriscos habitacao
Personal Insurance
March 2026

Home 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 article
Imagem do Blog - responsabilidade civil profissional
Professional Liability
March 2026

What 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 article
Imagem do Blog - ransomware portugal riscos ciberneticos
Cyber Risks
February 2026

Ransomware 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 article
Imagem do Blog - valores segurados desatualizados
Insurance Management
January 2026

The 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 article
Imagem do Blog - seguro frota erros comuns
Fleets & Transport
December 2025

Fleet 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 article
Imagem do Blog - responsabilidade administradores seguro do
D&O / Directors
November 2025

Personal 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 article
Imagem do Blog - seguro obra construcao
Construction & Works
October 2025

Construction 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 article
Imagem do Blog - adler pro saas platform
Insurtech & Innovation
April 2026

Adler Pro: the SaaS platform transforming business insurance management

Discover Adler Pro, the platform that digitizes and centralizes all business insurance management. Adler & Rochefort as an Insurtech focused on the business sector.

Read article
Imagem do Blog - bars restaurants insurance claims
Food & Beverage
April 2026

Insurance for bars and restaurants: the most common claims and how to resolve them

Fires, water damage, food poisoning and revenue loss. Learn about the most frequent claims in the food industry and how to ensure effective protection.

Read article
Imagem do Blog - home insurance legalization
Home Insurance
April 2026

Home insurance and legalization: why illegal construction can void your coverage

Unlicensed construction can compromise your insurance payout. Learn why having all aspects of your property legally compliant is essential.

Read article
Frequently Asked Questions

Questions? We have answers.

An insurance broker is a professional authorised by the ASF who independently analyses the market to find the best protection solutions for your case. Unlike an agent tied to a single insurer, a broker works for you — comparing products, negotiating terms and supporting you in claims management, always defending your interests.
Yes. The analysis is completely free and without obligation. We study your current policies, identify coverage gaps and present a report with concrete recommendations. The decision to proceed is always yours.
We cover all business protection needs: Business Multi-Risk, Liability (general, professional and D&O), Fleets and Transport, Cyber Risks, Construction and Works, and People and Benefits insurance. Each solution is tailored to your business.
After the initial analysis, we present a concrete plan with compared alternatives within 48 hours. In more complex cases, such as large fleets or industrial risks, a slightly longer timeframe may be needed to secure the best market proposal.
We manage the entire claims process from start to finish. From filing with the insurer to negotiating the settlement, we stand by your side to ensure you receive what you are entitled to, quickly and without unnecessary bureaucracy.
Yes. We are insurance brokers registered and authorised by the Portuguese Insurance and Pension Funds Supervisory Authority (ASF), complying with all regulatory requirements of the sector in Portugal.
Adler Pro is our 360 protection platform for businesses, powered by artificial intelligence. It allows you to manage all policies in a single interface — regardless of insurer — with automatic alerts for renewals, capital insufficiency, exclusions and deductibles, client credit risk, severe weather, fleet management and claims. It frees up administrative work and puts the focus on real business protection.
Adler One is the platform for individual clients. It lets you manage all your personal policies, file claims, track payments and receive smart optimisation suggestions — all managed by artificial intelligence to simplify your insurance management.

Ready for
real protection?

Book a free analysis. Within 48 hours we identify gaps, compare alternatives and present a concrete plan — no obligation.

Send a message
Phone
+351 928 226 570
Email
insurance@adlerrochefort.com
Location
Lisbon & Lagos, Portugal

Send us a message

Fill in the form and we'll get back to you within 24 hours.

0 / 300 characters

Message sent!

Thank you for getting in touch. Our team will respond within 24 hours.