Expert insurance
brokerage
in Portugal.
Tailored protection for expats, individuals and businesses. Adler & Rochefort combines local expertise and technology to ensure you are truly protected in Portugal — in English, from day one.
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.
- Fire and explosion
- Flood and storm
- Theft and vandalism
- Electrical damage
- Glass breakage
- Loss of profits
- Operational liability
- Contents and equipment
Professional Liability
For consultants, lawyers, engineers, doctors and all professionals whose advice has value — and can have consequences. Protection against errors and omissions.
- Errors and omissions
- Professional negligence
- Defence costs
- Third-party damages
- Document loss
- Breach of confidentiality
Fleets & Transport
Centralised fleet insurance management, per-vehicle premium optimisation and claims analysis for transport and logistics companies.
- Civil liability
- Own damage
- Roadside assistance
- Cargo protection
- Claims management
- Premium optimisation
Cyber Risks
Coverage against cyber attacks, ransomware, data breaches and digital liability. Essential for any business with an online operation.
- Data breach
- Cyber extortion
- Business interruption
- Digital liability
- Notification costs
- System recovery
Construction & Works
Contractor's All Risk, contractor liability and specific coverage for construction, renovation and infrastructure projects.
- All-risk construction
- Contractor liability
- Assembly and disassembly
- Post-completion guarantee
- Site equipment
- Work accidents
People & Benefits
Health, life and workplace accident insurance for employees. Benefits that retain talent and demonstrate responsibility as an employer.
- Group health insurance
- Group life insurance
- Work accidents
- Pension supplements
- Dental plans
- Wellness programmes
Auto Insurance
Complete vehicle protection, from third-party liability to all-risk coverage. Personalised solutions with the best market conditions.
- Mandatory liability
- Own damage
- Theft and fire
- Isolated glass breakage
- Roadside assistance
- Replacement vehicle
Home Insurance
Protection for your home against fire, flood, theft and other risks. Coverage tailored to every property type, whether owned or rented.
- Mandatory fire cover
- Flood and storm
- Theft and burglary
- Family liability
- Home assistance
- Seismic events
Health Insurance
Access to quality healthcare with coverage for hospitalisation, consultations, exams and medication. Individual and family plans tailored to you.
- Hospitalisation
- Consultations and exams
- Medication
- Dental care
- Ophthalmology
- Overseas medical care
Personal Accident Insurance
Financial protection in case of accident, covering disability, treatment expenses and assistance. Peace of mind for you and your family.
- Accidental death
- Permanent disability
- Treatment expenses
- Daily allowance
- Repatriation
- 24h assistance
Mortgage Life Insurance
Mandatory insurance linked to your mortgage, ensuring loan settlement in case of death or disability. We compare the best offers available.
- Death and disability
- Absolute disability
- Outstanding capital cover
- Insurer transfer
- Best market rates
- Free comparative analysis
Investment Life Insurance
A solution combining life protection with capital growth. Ideal for medium to long-term savings with tax benefits.
- Life protection
- Guaranteed capitalisation
- Tax benefits
- Partial or total redemption
- Minimum guaranteed return
- Flexible contributions
Surety Bond Insurance
Financial guarantee required for public tenders, contracts and legal obligations. An efficient alternative to bank guarantees without tying up capital.
- Bid bond
- Performance bond
- Advance payment
- Retention guarantee
- Judicial guarantee
- No capital lock-up
Not an agency.
Insurance powered by technology.
We combine insurance brokerage with proprietary technology and AI to deliver a level of protection and oversight that the traditional industry simply cannot match.
We work with the best
Os Meus Seguros Business
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.
Os Meus Seguros Individual
Smart management for your personal insurance. Os Meus Seguros brings all your policies together in one place and uses artificial intelligence to simplify payments, manage claims and suggest improvements to your protection.
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 technology 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.
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Guide to mandatory insurance for companies in Portugal: what the law requires by sector
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When was the last time you reviewed your business policy?
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Ready for
real protection?
Book a free analysis. Within 48 hours we identify gaps, compare alternatives and present a concrete plan — no obligation.