Business
It is our conviction that Large Companies and SMEs based or operating in the Algarve market need, nowadays and more than ever, the best and most adequate independent and professional advice in terms of insurance that contributes to their success and development.
Our experience and negotiating capacity with the insurers with whom we maintain partnerships allow us to provide our Clients with the most appropriate solutions, as well as the best coverage and prices, depending on the activity carried out by each Company.
We are experts in resolving any insurance related matters, in order to allow our Clients to focus all their resources and energy on their own “business”, leaving us the task of managing their insurance needs.
What We Offer
Professional Liability Insurance
Essential for service-based businesses. Protects against claims for damage, injury, or professional mistakes—keeping your reputation and finances secure.
Hotel Insurance
Tailored for hospitality. Covers property, guest liability, and business interruption—perfect for boutique hotels and resorts alike.
Condominium Insurance
Comprehensive coverage for residential and commercial condominiums, including structure, common areas, and legal liability.
Worker's Compensation Insurance
Compliance meets care. Covers medical costs and income for injured employees, in line with Portuguese labour laws.
Health & Life Insurance for Employees
Boost your benefits offering with private healthcare, life coverage, and wellness options—ideal for attracting and retaining talent.
Other Corporate Insurances & Solutions
From logistics to retail, we build policies around your exact risks. No generic packages — just smart, customised protection.
What our clients are
saying about us
Why Choose MEDAL
We specialise in supporting expat business owners in the Algarve with independent advice and custom insurance coverage that fits your industry, your goals, and your lifestyle. With strong partnerships across top insurers, we negotiate the best terms — so you don’t have to.
Our mission? To handle your insurance needs with the same professionalism you bring to your business, freeing up your time and focus for what truly matters.
Feature | MEDAL | Typical Broker |
|---|---|---|
Tailored for Expats |  |  |
Bilingual Support | | |
Local & International Insurance Expertise | | |
Custom Policy Building | |  |
In-house Claims Team | | |
FAQs
No. MEDAL is an Insurance Broker duly registered and authorised by the ASF – Autoridade de Supervisão de Seguros e Fundos de Pensões (the Portuguese Insurance and Pension Funds Supervisory Authority), licensed to operate in both Life and Non-Life branches. Our role is to advise, intermediate, and present the most suitable solutions for our Clients, selected from a range of reputable insurers.
Because you benefit from over 30 years of experience and an independent team with strong negotiating power with insurers. We ensure tailored solutions, appropriate coverage, competitive prices, and ongoing support – always in full compliance with Portuguese law.
We provide all sorts of insurances, including a wide range of Life and Non-Life insurance, including health, motor, home, travel, liability, workers’ compensation, and business insurance. We also offer specialised products for expatriates and bespoke packages designed for families and national companies.
afpop (Association of Foreign Residents and Property Owners in Portugal) is the largest association of its kind in the country, supporting thousands of expatriates and residents (more information available at www.afpop.com). Since its foundation in 1996, MEDAL has been a trusted partner of afpop, providing its members with exclusive insurance products, preferential conditions, and premium discounts tailored to their specific needs.
Yes. As a long-standing partner of afpop, we have developed specific products for its members (Health, Household, Motor and Travel), with advantageous terms, premium discounts, and exclusive coverage that are not available on the open market.
No. Premiums are identical to those charged directly by insurers. Our remuneration is paid in the form of commissions by the insurers, meaning that Clients do not bear any additional cost.
Unlike going directly to an insurer, an independent broker such as MEDAL offers impartial advice, access to several insurers, expert negotiation, and close support. We also have a dedicated Claims Department, assisting Clients throughout the entire claims reporting, follow-up, and settlement process.
Yes. All our staff meet the continuous training and certification requirements set by the ASF, providing professional, independent advice in line with best industry practices.
MEDAL
a name you can trust!
Founded in 1996, and with extensive experience in the most diverse areas of business and economic activities in the region, our commitment is to offer our clients – Individuals or Legal Entities – the best solutions on the market for the most varied risks with personalized and excellent service.
professionals
clients
clients
experience
policies
Portugal
