THE ESSENTIALS
Before you start
- Identify base and supplementary policies.
- Locate the defence limit.
- Check the order of response.
Read the relevant distinction
APAP (Associação Portuguesa de Arquitectos Paisagistas)’s published professional-liability information describes complementary options with a defence-cost sublimit applying after exhaustion of the base policy’s capital. This is an example published by the scheme holder for its members, not a universal rule for the profession or every policy.
Sources: APAP — Seguro RC Profissional, página datada05/01/2026 ↗
A fictional example
Fictional example: a professional with group insurance requests a comparison of supplementary cover. She draws one line per contract and asks when each responds to defence expenses. She neither adds the limits together nor appoints a lawyer assuming unlimited payment. The story concerns no actual proceedings, recommends no defence strategy and confirms no acceptance of expenses.
Prepare an answerable enquiry
Request written clarification of the responding contract, expense approval, separate limit and any use of the main liability capital. Identify the exact documents because a commercial summary cannot settle coordination. If a complaint has already arrived, follow the relevant contract’s procedure and time requirements rather than awaiting a future comparison. Keep case and client information out of public comments. A new enquiry should not be treated as resolution of an existing claim.
Discuss the insurance need
On rmachado.group select RC Profissional and explain this question to prepare an insurance review. An enquiry does not confirm acceptance or cover. Share personal documents only through the indicated appropriate channel.
KEEP THESE QUESTIONS
Your checklist for the next conversation
- Identify base and supplementary policies.
- Locate the defence limit.
- Check the order of response.
- Request the expense procedure.
- Protect case information.
FROM THE ARTICLE TO YOUR SITUATION
Let us discuss your situation
Tell us what you want to protect. We review your request and help compare relevant terms. Requesting a quotation does not activate insurance.
Sources and transparency
Content updated on .
Consultation dates are stated in individual references when available.
Numerical examples are fictional and explain concepts. Editorial interpretations are identified in the text.
Information from RMACHADO GROUP. This is not an insurance offer or individual advice. Covers, acceptance, exclusions, sums insured and costs depend on the policy. The intermediary does not underwrite the risks.