Adler & Rochefort Private Office
Insurance advisory for families, residences and collections across Portugal and Spain.
Adler & Rochefort is an insurance intermediary registered with Portugal’s insurance supervisor, the ASF (no. 425591790/3), authorised to operate in Spain and not tied to any insurer. Its Private Office looks after the whole insurance picture of international families — homes, collections, vehicles, health, liability and personal security — with one adviser, written recommendations and conditions agreed with specialist insurers before anything happens.
We work quietly, in writing and for the long term. Most of our clients came to Portugal or Spain from elsewhere; many hold property, collections or family members in more than one country. What they ask of us is simple: that the cover matches what they actually own and how they actually live, and that someone answers for it when it matters.
At a glance
- Registered with the ASF (no. 425591790/3); operating in Spain under the EU freedom to provide services.
- Not tied to any insurer: recommendations are chosen on cover, sums insured and claims handling — never on premium alone.
- Specialist capacity from Chubb, Hiscox, Innovarisk (Lloyd’s) and Hispania; international health with Allianz Care and Cigna Global.
- One adviser across both countries; where an insurer writes Portugal and Spain, one policy.
- Written opinion within 24–72 working hours. Advice in English, Portuguese, Spanish and German.
- Head office in Lisbon (Algarve). We never ask for your total net worth.
Our standard
- 01
Discretion
We ask only for what an underwriter needs to assess the risk — never for a statement of total wealth. Files, valuations and inventories stay with the people who need them.
- 02
Independence
We are not bound to any insurer. Each recommendation names the insurer, the conditions and the reasons, and we say so when a standard policy is the better answer.
- 03
Substance before price
We do not take part in price races. A proposal is built on the cover that protects the asset: rebuild value rather than market value, agreed value for collections, no proportional reduction where the market allows it.
- 04
Continuity
The same adviser from the first conversation to the renewal and, above all, at a claim. Sums insured are reviewed every year, because values move and an unrevised policy drifts.
- 05
One view across borders
Portugal and Spain are handled together, and international health cover follows the family wherever it lives.
What we look after
Residences
Primary and second homes, villas and estates insured on rebuild value, all-risks, with grounds, pools and outbuildings written into the schedule.
Collections
Art, jewellery, watches and wine on agreed value, with transit, loans and worldwide cover for what is worn rather than stored.
Cars, yachts, aircraft and horses
Collector cars on agreed value, yachts and their marinas, private aviation and bloodstock.
Health
International private medical insurance for each member of the family, wherever they live.
Family protection
Liability limits matched to the household, cyber and fraud cover for the family, and kidnap, ransom and extortion cover.
Family offices
Coordinated programmes for family offices and the structures behind them.
How an engagement works
A private conversation
By video call, by phone or in person in Lisbon or the Algarve: how the family lives, what it owns and where.
A review of what is in place
Existing policies read clause by clause: sums insured, per-item limits, exclusions and the gaps between policies.
A written recommendation
Within 24–72 working hours of having the information: insurers approached, conditions obtained, what changes and why.
Placement and stewardship
Policies placed, values reviewed every year, and the same adviser beside you at a claim.
Who we are
Adler & Rochefort is the trading name of Ownizo, Unipessoal Lda. It was founded by Hugo Gonçalves, who holds a degree in Business Management (University of Hertfordshire), pursues ongoing qualifications with the Chartered Insurance Institute (CII) in London, and spent more than twenty years in international travel and hospitality before founding the firm. The firm is a member of afpop, NCA Portugal and the British-Portuguese Chamber of Commerce.
Questions
What is the Adler & Rochefort Private Office?
The Private Office is how Adler & Rochefort, an ASF-registered insurance intermediary not tied to any insurer, looks after international families in Portugal and Spain: one adviser for homes, collections, vehicles, health, liability and personal security, with written recommendations and conditions agreed with specialist insurers in advance.
Who is it for?
Families whose homes, collections or circumstances need cover written for them rather than taken off the shelf — several residences, valuable contents, family members living in different countries. Where a well-built standard policy is the better answer, we say so in writing.
Does Adler & Rochefort work in Spain as well as Portugal?
Yes. The firm is authorised to operate in Spain under the EU freedom to provide services, and where an insurer writes both countries, a household’s properties in Portugal and Spain can sit on a single policy.
How is the service paid for?
There is no fee to the client: as an insurance intermediary, Adler & Rochefort is remunerated by the insurer through the commission included in the premium.
Is information kept confidential?
Yes. We ask only for what underwriting requires, handle personal data under the GDPR, and never ask for a client’s total net worth.
In which languages do you advise?
In writing, in English, Portuguese, Spanish and German.
A private conversation
Tell us, in a few lines, what you would like us to look at. We reply in writing within 24 working hours.
Adler & Rochefort · Ownizo, Unipessoal Lda. · ASF 425591790/3 · insurance@adlerrochefort.com
Ask for a quote — it takes under a minute
Tell us the essentials. We reply in writing within 24 working hours.