Welcome to Allianz Commercial – your business insurance partner in Portugal.
Allianz Commercial in Portugal
Allianz is a beacon of trust and expertise in Portugal, offering top-tier commercial insurance solutions. As your chosen insurance company in Portugal, we leverage our global insights and local acumen to manage your business risks effectively. Our strength lies in addressing complex risks with tailored solutions. As one of the world's premier insurance companies, we offer insurance plans for mid-sized businesses, large enterprises, and specialist risks, complemented by proactive risk management services.
Part of Allianz, the leading global insurance brand, Allianz Commercial has the capabilities, international scope, and financial robustness to deliver unparalleled business insurance solutions in Portugal. Discover our services and get in touch to discuss your unique insurance needs. Your business deserves the highest level of protection, and that’s our commitment to you.
Allianz Commercial offerings in Portugal
This overview is for reference only. It does not detail the conditions, limitations or exclusions of the cover.
Please see the policy wording for further details.
Please see the policy wording for further details.
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Alternative Risk Transfer
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Aviation Insurance
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Casualty Insurance
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Cyber Insurance
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Entertainment Insurance
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Financial Lines Insurance
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Liability Insurance
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Marine Insurance
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Natural Resources & Construction Insurance
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Property Insurance
Alternative Risk Transfer
We develop customized insurance, reinsurance and other non-traditional risk management solutions for a broad range of corporate and financial clients worldwide.
General Aviation Insurance
We insure all types of general aviation risks: from single aircraft on a ‘private business and pleasure’ basis to the largest commercial fleets.
Aerospace Insurance
We provide tailored aerospace insurance to a wide range of clients, from aerospace giants to small OEM suppliers and refuellers, covering all types of damage and liability.
Group Personal Accident (GPA)
The insurance includes all the coverages and guarantees to insure the workers, so that the employer always has the labor obligations with its workers covered, all in a simple and uncomplicated way.
Life Group Business Insurance (LGB)
Life insurance helps protect families that depend on the head of the household. If you want to provide the best for your employees, their spouses and children, take out an Allianz employee life insurance policy.
Accidents Insurance for Professional Sports
We offer coverage for individual athletes and sports clubs, including Spanish and foreign players in sports like soccer, basketball, cycling, and tennis. The product provides fixed remuneration for professional athletes, covering death and total permanent disability due to accidents or accidents and illnesses, with an option for temporary disability in some cases.
Cyber Insurance
We offer a range of products, from standalone cyber insurance to integreated coverage, safeguarding large organizations against digital threats and cybercrime.
Production Insurance
Whether you need entertainment insurance for a film, TV show, whether for theatrical release or for streaming, we cover all elements required to bring the project to life.
Live Events & Sports Insurance
We provide coverage for tours and live events of all sizes, including solo shows, motor sports, week-long festivals and national and international tours.
Directors & Officers (D&O) Insurance
Our D&O insurance shields company managers of large companies from claims and reimburses the insured company for settlements paid on behalf of managers.
Professional Indemnity Insurance
Protecting managers and professionals from losses arising out of a breach of their professional duties.
Financial Institutions Insurance
We provide a strong product offering for financial institutions via a suite of products, either with stand-alone coverage or on a blended basis.
General Liability Insurance | Large businesses
We offer a range of general and specialist liability insurance products, covering personal or bodily injury, property damage and pure financial loss.
Clinical Trials Insurance
We provide cover for cover trials around the world, from single studies to multi-location research programs.
Environmental Liability Insurance
We help companies evaluate, mitigate, and protect against environmental risks, with tailored solutions in the areas of premises pollution and contracting pollution.
General Liability Insurance | Mid-sized businesses
We offer a range of general and specialist liability insurance products, covering personal or bodily injury, property damage and pure financial loss.
Marine Hull and Liability Insurance
Hull and machinery coverage for all types of blue- and brown-water shipping, plus shipyards and building risks, as well for mega yachts, yachts and pleasure craft.
Marine Cargo Insurance
Comprehensive insurance for all stages of the distribution chain, including goods in transit, storage risks, global programs and project cargo for specialist shipments.
Construction Insurance
Our construction performance insurance protects you against financial losses due to unforeseen damage (e.g. vandalism, storm, hail, flooding) during the construction project.
Natural Resources Insurance
We cover diverse engineering sectors, including power, utilities, and transportation. We also provide solutions for complex energy challenges and renewables/green energy.
Property Insurance | Large businesses
We specialize in providing property damage and business interruption insurance to large international companies, leveraging our global network to address all risk portfolios.
Political Violence and Terrorism Insurance
We offer crisis management solutions, providing innovative assistance in handling various crisis scenarios such as terrorism, political violence, and hostile environments.
Property Insurance | Mid-sized businesses
We specialize in providing property damage and business interruption insurance to large international companies, leveraging our global network to address all risk portfolios.
Discover our services
Risk appetite
We will consider every risk on its own merit. Capacity and coverage offered to individual clients subject to hazard, Nat Cat exposure, grading, terms & conditions.
The products and services described on this page may not be available in all locations. This is for your general information only.
The products and services described on this page may not be available in all locations. This is for your general information only.
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Alternative Risk Transfer
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Construction
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Cyber
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D&O
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Entertainment
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Environmental Impairment Liability (EIL)
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Financial Institutions (D&O, crime, PI and combined products)
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Liability
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Marine Cargo
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Marine Hull and Aviation
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Natural Resources
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Political Violence and Terrorism (PVT)
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Professional Indemnity (PI)
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Property
Our focus
- Structured multi-year/multi-line solutions
- Address gaps caused by non-availability of traditional cover, e.g., Commercial Auto, Property, D&O
- Often contain elements of risk financing/profit sharing, for clients who want to retain risk, but still need to manage volatility
- Bespoke solutions that manage risk in an integrated way across lines and years
- Long term arrangements, but able to adapt as needs change
- Captive Solutions
- Multi-line and multi-year global fronting as a stand-alone service
- Structured per event and aggregate excess of loss captive reinsurance
- Virtual Captive Solutions
- Insurance framework designed to create the economic benefits of a captive, when an actual captive is not a viable option
Coverage
- Broad range of P&C lines of business or a combination thereof: from annual single line captive stop loss through to multi-line, multi-year insurance and reinsurance solutions
- Can include both traditional and non-traditional elements, including parametric triggers
- Global Fronting capability expands across 200+ countries and on a multi-line and multi-year basis, if needed
- Transactions up to 5 years tenure
- Capacity typically €25mn per occurrence, €50mn per annum (or equivalent in other currency), but can be lower or higher depending on structure
Restricted appetite
- Reinsurance for insurance companies
- Financial risks coverage; e.g. mortgage portfolios, capital relief
- Unmitigated credit risks
- Life insurance
- Business and systematic risks
Our focus
- EAR/CAR - Course of Construction
- Annual Policies / Open Covers (Contractors, Owners / Principals)
- Civil Engineering projects
- Buildings
- Manufacturing plants (all industries)
- Above Ground Mine development (excluding thermal coal)
- Utilities
- Conduction
- Renewable energy:
- - On and Offshore Wind
- Solar - - Hydrogen
- Combined Cycle
- CECR (Civil Engineering structures) Provided it is associated with a construction project
Restricted appetite
- High Nat Cat areas (single risks and accumulation with open covers)
- High DSU exposures
- Unproven technologies
Occupancies
- Waste to Energy
- Biomass
- Hydro Power
- Underground mine development
- Timber / Wood frame construction
No appetite
- Coal
- Solar Thermal power plants
Our focus
- Cyber, tech PI and media liability: solutions for commercial and financial institutions
Coverage
- Primary standalone cyber
- Cyber Excess (< EUR 5mn) of low exposure to ransomware and BI
Restricted appetite
- Accounts with ransomware and high BI exposure treated by sub-limits and SIR
- Primary layers for large enterprises and full risks
Our focus
- Accommodation & food service activities
- Agriculture, forestry, and fishing
- Arts, entertainment & recreation (excl. gambling)
- Education
- Elderly & social care
- Healthcare: Hospitals and Medical services
Electricity & water supply - Manufacturing
- Professional & administrative services
- Transportation & storage
- Wholesale & Retail
- Utilities
- Professional Administration
Cautious
- Other service activities (incl. Churches)
- Real estate – non-residential
- Real estate – residential / “housing”
- Oil and gas
Restricted appetite
- Construction & materials
- Start-ups
- Law and accounting firms, tax advisors
- Public Administration
No appetite
- Financial & insurance activities
- Mining & quarrying
- Waste management
- Airlines
- Defense industry
- Offshore, nuclear
- Mining
Tobacco - Sports
- Pharmaceuticals
- Brokers
- Coal
Our focus
- Advertising wrap-up/DICE insurance programs
- Motion Picture / TV programs
- Events/sports liability
- Production
- Motion Picture Studio Productions
- TV Production
Independent Films - Advertising Agency DICE Wrap-Ups
- DICE: Documentaries, Industrial, Commercials and Educational productions
- Live – Events & Sports
- Festivals
- Concerts
- Live Events
- Event Promoters / Producers
- Sport events
- Motorsport events
Coverage
- Production portfolio
- Cast
- Extra Expense
- Props / Sets /Wardrobe
- Miscellaneous Equipment
- Media: Negative Film & Faulty Stock
- Third Party Property Damage
- General Liability
- Employers’ Liability, Auto
- Contingency: Cancellation/Non-Appearance
Excluded
- Communicable Disease
- Cyber
Our focus
- Large customers and mid-market for the sectors:
- All types of industrial processes
- Energy and Construction
- Waste management
- Water cycle
- Logistics, distribution and food
- Hotels, real estate, etc.
Restricted appetite
- Mining
- Off-shore risks
- Nuclear risks
- Fracking
Our focus
- D&O and financial crime for banks, insurance and reinsurance companies, credit unions and other SME’s.
- D&O, IMI and PTL for asset managers, private equity firms and pension funds
Restricted appetite
- Corruption
- Insolvency
No appetite
- POSI in the USA
- SPACs
- Medium-sized bank with scarce funding
- Cryptocurrency
- Poor ESG
Our focus
- Accommodation and catering activities
- Construction and materials: buildings, civil engineering, manufacturing (building materials), other constructions
- Financial and insurance activities (office risk only)
- Real estate - non-residential
- Real estate - residential / "housing”
- Transportation and warehousing - other transportation
- Agriculture, forestry and fishing
- Manufacturing: all other, basic and fabricated metals, electrical and electronics, food and beverage, machinery and equipment, warehousing
- Wholesale and retail: motor and non-motor
- Accidents Insurance for employees and Professional Sports
- SME Business Life insurance
Cautious
- Arts, entertainment and leisure
- Professional services – Construction
- Manufacturing: pharmaceutical, medical and chemical products
- Plastics and Rubber Manufacturing
Restricted appetite
- Electricity and water supply
- Manufacturing – Automotive
- Mining – Quarrying
- Oil & Gas
- Professional and administrative services
- Public Administration
No appetite
- Elderly and social assistance
- Health / Medical services
- Hospitals
- Mining: general, SA, surface, subway
- Churches and related
- Transportation and warehousing - Rail transport
- Waste management
- Tobacco and cannabis for recreational/smoking use
Automotive and supplier product removal, maintenance and disassembly - Waste storage facilities (quarries)
- Off-shore risks
- Coal
Our focus
- General cargo, containerized goods
- Marine, aviation and/or defense industry
- Industrial machinery/equipment
- Electronic goods with low/moderate risk of theft
- Textile apparel and footwear for general consumption and potential low/moderate risk of theft
- Transport and local/national exhibition of works of art
Cautious
- Automotive industry (equipment and spare parts), non-vehicles
- Pharmaceutical and chemical industries
- Non-fragile building materials (e.g. timber)
- Project Cargo
Restricted appetite
- Electronics and other goods at high risk of theft (tobacco, cosmetics/perfumery, designer brands, etc.)
- Temperature-controlled goods
- Commodities: Cereals and other agricultural products, as well as other raw materials (metals and energy)
- Fragile building materials
- Domestic parcel and distribution logistics operators (small and medium size)
- Local/national transport of live animals
- Local/national transport of cars, vehicles
- Stock ThroughPut
No appetite
- International transport of cars, vehicles
- Large logistics operators/multinational parcel and distribution companies
- Captive retro business
- Recreational boats (maritime transport)
- Fine art (except as noted in “focus area") and species
- Hull container insurance
Our focus
- Hulls (H&M): Ocean Hull and Brown Water up to 1,000 GT and/or sum insured up to EUR 10mn.
- Ship Repairers' Liabilities up to EUR 1.5mn limit of indemnity
- Railroad Rolling Stock
- Material Rodante ferroviario
- Recreational Boats for private use
- Marine Liabilities: Freight Forwaders, Road Haulier Operators, Ship Agents and Charterers
- General Aviation private use, Balloons and Drones
- Airport owners and operators Liability insurance
Cautious
- Recreational Boats for Hire
- Marine Liabilities: Customs Agents and local Port and Terminal Operators (small-medium size)
Restricted appetite
- Marine Liabilities: Big size/multinational terminal operators
- General Aviation aggravated uses
- Builders' Risks
No appetite
- Fishing vessels
- Ship Repairers' Liability with indemnity limit > EUR 1.5mn
- Ocean Hull IV & LoH, War
- Recreational Vessels > 30 years old
Our focus
- Onshore Energy (Operation)
- Renewables
- - Wind
- - Solar PV
- - Hydroelectric plants
- Combined Cycle
Restricted appetite
- Conventional Power Plants
- Hydrogen
- Battery storage
- Open pit mining
No appetite
- Thermal Coal
- Mine Tailings Dams
- Underground Mining
- Tar Sands
- Waste to Energy
- Geothermal
- Solar Thermal
Our focus
- Commercial real estate
- Financial Institutions
- Manufacturing industry
- Construction/ Engineering Projects
- Entertainment/ Sports/ Cinema
- Pharmaceuticals/ Chemicals
- Telecommunications/ Media/ IT
Coverage
- Terrorism, Sabotage, SRCC, Rebellion, Revolution, Mutiny, Insurgency, Counterinsurgency, Coup d'Etat, Civil War, and War
- Terrorism Liability (T3L)
- Cancellation of event due to terrorism
- Active Aggressor
- Nuclear, Chemical, Biological, Biological and Radiological Terrorism
Restricted appetite
- Airports and Aerospace
- Rail Operators/Public Transportation
- Security Companies
- Nuclear Power Plants
- Religious Buildings / Places of Worship
- Government, Military, and Police Buildings
- Embassies and Consulates
Our focus
- PI for engineering, photovoltaic renewable energies, lawyers, insurance brokers (pool partners), consulting firms
- Single Project PI (SPPI) - Project, design and build (D&B), project coordination and management
Cautious
- Professional groups
- Tax, labor and accounting consulting
- Account auditors
Restricted appetite
- Medmal and all activities in the healthcare área
- Big 4 auditing firms
- Reinsurance brokers
- Freight forwarders
- SPPI: renewable energy - biomass, stadiums, waste-to-energy and nuclear power plants
- Tailings dams, cryptocurrency, coal, poor ESG
- Architects/architectures
- Occupational risk prevention
Our focus
- Hotel industry, accommodation & food service activities
- Arts, entertainment & recreation (excl. gambling)
- Financial & insurance activities
- Professional & administrative services
- Real estate
- Wholesale and retail – shopping centers
- Education
- Elderly & social care
- Healthcare: Hospitals and medical services
- Transportation & storage
- Food: Drinks
- Hygiene, pharmaceutical and cosmetic products
- Manufacturing of electric products and devices
- Manufacturing of metal products
- Public administration
Restricted appetite
- Plastic & Rubbers
- Basic metal casting & forging
- Textile & Tobacco
- Wholesale and retail: Auto & services, Consumer & Wholesale
- Agriculture: forestry & fishing
- Construction & materials
- Food industry
- Chemical substances and products
No appetite
- Mining & quarrying
- Oil & Gas
- Waste management
- Manufacturing of wood products, sawmills
- Paper and cardboard
- Gun powder, explosives, matches
- Pyrotechnics
Do you need further information?
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Our office
R. Andrade Corvo 32
1069-014 Lisboa
Portugal
Trade credit insurance and surety bonds
Allianz Commercial is part of one of the world's strongest financial services groups and the world’s #1 insurance brand. When you partner with us, you partner with Allianz Group — and its sister companies.
