Professional Liability Insurance
Protect your business from financial losses arising from professional errors, omissions, or negligence with our tailored Professional Liability Insurance. In partnership with Hiscox, S.A., we offer a comprehensive solution designed to safeguard your company’s financial stability and reputation.
Even the most experienced professionals can make mistakes, and claims can arise even when no fault exists. Additionally, many clients now require professional liability insurance to secure contracts, making it an essential safeguard for your business.
Key Coverages
Unintentional breach of contract
Legal defence costs
Professional errors, omissions, and negligence
Breach of confidentiality
Defamation
Costs to prevent a potential claim
Other Corporate Insurances & Solutions
Third-party material or bodily damage
(Public Liability)
Insured’s own losses, including:
• Employee dishonesty
• Loss of documents
Discover our range of professional liability insurance plans
Get a personalized estimated quote, or chat to our experienced advisers to find a plan that best suits your needs. Whatever plan you decide, MEDAL Insurance gives you the freedom to choose when and where you are treated, within your area of cover.
| Covers / Limits | Option Light** | Option B | Option A | Option A Plus | Option Premium |
|---|---|---|---|---|---|
| In-patient Hospitalisation/ Surgery / Oncology* | 65 000€ 15% copayment with max. of 1 500€* | 65 000€ 15% copayment with max. of 1 500€* | 150 000€ 15% max. 2 500€ of copayment* | 250 000€ 15% max. 2 500€ of copayment* | 500 000€ 0% copayment |
| Worldwide Hospitalisation / Surgery |  | | | | 100 000€ |
| Childbirth | 3 000€ | | | 5 000€ | 5 000€0% Copayment |
| Out-patient Consultation / Exams Treatments / Physiotherapy | 1 000€ | 2 000€ | 4 000€ | 5 000€ | 10 000€ 0% Copayment |
| Dental Treatment | Dental Card | Dental Card | 300€ | 500€ | 1 000€ 0% Copayment |
| Medicines | | | 200€ | 500€ | 500€ |
| Prostheses and orthoses Ophthalmological orthoses | | | 2 000€ 300€ | 2 500€ 500€ | 2 500€ 500€ |
| Daily Subsidy in case of Hospitalisation | 120 Days 75€ day | 120 Days 75€ day | 120 Days 75€ day | 120 Days 75€ day | 120 Days 75€ day |
| International medical coverage for serious illness | | 1 000 000€ | 1 000 000€ | 1 000 000€ | 1 000 000€ |
| Second Medical Opinion |  | | | | |
| Travel Assistance Abroad | | | | | |
| Portugal Assistance | | | | | |
| Online Medical Assistance | | | | | |
| Actions |
- Included
- Not Included
Add to your base plan: Specialised Coverages for IT Professionals
- Breach of Contract – If a project deadline is missed due to the illness or departure of a key team member, resulting in financial loss for the client, this policy provides coverage.
- Professional Errors, Omissions, and Negligence – If the delivered work does not meet the client’s expectations, our policy ensures financial protection.
Ensure your business remains secure against unexpected claims and financial risks. Contact us today for a personalised quote.
Fill out the contact form or schedule a meeting today to tailor a policy to your needs.
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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.
