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 […]

A well-structured employee benefits program is a key component of a strong workforce, but it comes with its share of risks. At Fulcro People, we specialize in helping HR teams manage those risks, ensuring that their benefits programs remain resilient and effective. This blog will outline the various risks associated with employee benefits and how […]

In today’s regulatory landscape, HR professionals must ensure compliance in employee benefits to avoid costly penalties and protect the organization. At Fulcro People, we provide the tools and expertise to help HR teams navigate these complexities. This blog will address the common compliance challenges HR departments face and offer best practices for developing a comprehensive […]

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 […]

In today’s fast-paced world, prioritizing employee well-being is more important than ever. But what does “well-being” really mean, and why should your company invest in it? What Is Well-being? Well-being is about creating a balanced, healthy, and fulfilling life for employees—both on and off the clock. It’s a holistic approach that addresses physical, mental, emotional, […]

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.

Have you ever caught yourself wondering why your business’ premium changes over time? Odds are you understand why your auto insurance premium changes: as you age and become a less risky driver, your insurer is exposed to less risk, and your rates drop as a result. But what drives premiums for bars and restaurants […]

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 […]

Are you navigating the intricate world of insurance with limited proficiency in English or Spanish? Look no further! Welcome to Segurosentuidioma.com, your go-to destination for easy-to-understand bilingual content, brought to you by Fulcro Insurance. Whether you’re a seasoned business owner, a budding entrepreneur, or a curious individual seeking clarity on insurance matters, our platform is […]

We had the pleasure of interviewing Clementina Bayot-Hiteshew, a seasoned professional who has recently assumed the role of Surety Manager at Fulcro Insurance of Georgia. With over 20 years of experience in international insurance markets and a strong background in risk assessment and operational aspects of commercial and contract bond placements, Clementina brings a […]

We joined forces with the consulting firm Retention Strategies to expand and solidify Fulcro People as an innovative Benefits practice.

Most people don’t realize that pollution liability is not covered under a general liability policy. Here we share some important information so you can make an informed decision about whether you need pollution liability insurance for your business. Pollution Liability Insurance, also commonly referred to as “environmental insurance,” helps protect businesses from unexpected pollution exposures […]

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 […]