As inflation rises, so are home insurance premiums at double the rate. In recent news, home insurance rates in places such as Arkansas have increased by 18.1%, and Washington and Colorado by 17.5%. Oklahoma has the most significant premium increase at a $257 average premium. From May 2021 to May 2022, the price of goods and services has increased by 8.6%. In correlation, home insurance has also increased its costs, with over 13 states seeing average premium increases over 50

Defects are a part of the building process, and everyone makes mistakes. However, those mistakes could jeopardize your business and project if you don’t take the proper steps. Avoid the headaches and costly mistakes by keeping complete records in case you encounter a construction risk claim. We all know that defects are a normal part of the job, but oftentimes, many defects are not discovered until years after the project has been completed, making traceability muddy. Hence,

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 […]

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 […]

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 […]

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 […]

In the construction industry, managing risks effectively is as crucial as laying a solid foundation for your projects. Whether you’re a contractor, supplier, engineer, or developer, Fulcro’s STACK initiative is here to support you with customized insurance and surety solutions. Our approach ensures you can concentrate on your building projects, confident in the knowledge that […]

Surety Bonds provide financial security and construction assurance.

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.

Enhance workplace safety & decrease hazards.

Read this Construction Risk Management Guide to learn how to manage risk in your construction projects.

Gain greater control & lower costs.

To help you better navigate your construction insurance needs, we’ve compiled a list to help you take proactive steps to ensure you are properly covered.

Solid worker’s compensation insurance is essential, especially in the construction industry, and can help workers pay for medical expenses, missed wages, disability, and death.

Are you covering all of your bases when it comes to protecting your construction projects?

You can focus on the building, while we make sure you’re protected.