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, […]

Operating a professional services business—whether it’s consulting, legal, accounting, or any other field—comes with its own set of unique risks and challenges. Ensuring that your business is adequately insured is crucial to its continued success. Fulcro’s STACK initiative offers pre-packaged insurance solutions tailored specifically for professional services. These packages provide comprehensive coverage based on your […]

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 […]

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 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 […]

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 […]

This holiday season and any time of the year, choosing safer toys and alternatives can make a world of difference. Please consider the following guidelines fit for all ages.

Learn more about the current inflation factors affecting the price of your homeowners & auto insurance. Contact your agent to review your policy to ensure you have the right plan for your particular circumstances.

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.