Every great industry has an origin story. For the modern insurance sector, it began centuries ago in a London coffee shop owned by Edward Lloyd—a bustling hub where merchants, sailors, and financiers gathered to share insights on their maritime voyages and cargo. These informal gatherings sparked the concept of “risk transfer,” which, as Atty. Ramón […]

Investing in employee well-being isn’t just a compassionate choice—it’s a smart business strategy. As companies increasingly focus on creating healthier and more balanced workplaces, understanding how to measure the impact of these initiatives becomes crucial. Why Invest in Employee Well-being? Well-being programs extend far beyond offering basic health benefits. They address physical, mental, emotional, and […]

Running a retail business, whether it’s a boutique, department store, or any other type of retail operation, involves managing numerous risks and challenges. Fulcro’s STACK initiative is designed to help you navigate these risks with tailored, pre-packaged insurance solutions. Our all-lines insurance specialists are committed to creating specialized and effective policies that meet your specific […]

Running a restaurant or bar can be incredibly rewarding, but it also comes with its fair share of challenges, including managing risks and liabilities. Amidst the demands of the industry, prioritizing insurance is crucial. Fulcro’s STACK initiative offers a streamlined solution by providing pre-packaged insurance policies tailored specifically for the restaurant and bar industry. These […]

A More Active Hurricane Season Ahead According to the National Oceanic and Atmospheric Administration (NOAA), there is an 85% chance of an above-normal hurricane season this year. Factors contributing to this forecast include near-record ocean temperatures in the Atlantic, reduced trade winds, and the development of La Niña in the Pacific, all of which favor […]

Surety Bonds provide financial security and construction assurance.

Surety Bonds provide financial security and construction assurance.

Proper training in safety procedures can save your business money & prevent risks in the workplace.

Learn more about the different types of policies all restaurants should have to protect their business, patrons & employees.

No industry is safe from injuries & hazards and the food service industry is no exception, being one of the highest-risk environments.

Picture this: it’s Friday night and everything’s going smoothly in your restaurant or pub. But then something happens: at first, the lights flicker, then they go out altogether. Your business suffered an electrical short. The kitchen is dark and the POS systems are down. You don’t even want to think about the inventory in the […]

Hurricane season is fast approaching, but before you suffer a significant loss, here are some tips to prepare for an imminent storm or hurricane. In particular, learn tips on how to prepare in case you have to make an insurance claim. WHAT TO DO BEFORE A STORM Protect your property, especially property that is exposed […]

Within the food supply chain, its provenance is an important factor that can ensure the quality, safety, and sustainability of the food. If a company allows contaminated or mislabelled food to reach the hands of consumers it can not only lead to costly recalls, but also serious fines imposed by governments and litigation by those […]

The food supply chain is the series of activities used to produce, process, distribute and consume food. Also, this highly complex and dynamic system is considered as one of the most essential services needed for human survival and development. Consequently, the food system accounts for 10% of the world gross domestic product (GDP). As the […]

Any catastrophic event can cause you to experience financial and property loss, but with Business Interruption Coverage, you can make sure that you and your business are protected. According to FEMA, 40% of businesses do not reopen following a disaster and another 25% fail within one year. On top of that, the SBA found that […]

Recommendations you should follow in case you suffer damage or loss from a hurricane.

Even the best home insurance won’t pay for every kind of hurricane damage.

With the peak of hurricane season upon us, here are some valuable safety and preparation tips to follow before and during a flood.