Since 1981
ALWAYS BY YOUR SIDE
Helping you protect what matters most.
Tipping the Balance In Your Favor
Fulcro North America is an integrated insurance, risk management, employee benefits, and fiduciary advisory firm serving businesses across the United States and the Caribbean.
Founded in 1981, we bring more than 40 years of experience and 120+ professionals to organizations seeking a disciplined risk structure and a long-term strategic partnership.
We are not transactional brokers. We are advisors focused on protecting balance sheets, strengthening operations, and supporting sustainable growth.
Fulcro’s advisory model is built on three pillars:
Expert Advice
We provide consultative, unbiased guidance to help organizations navigate complex insurance, surety, and employee benefits decisions. Through diagnostic analysis and structured program design, we enable informed, compliant, and strategic decision-making.
Access to Diverse Options
Our clients gain access to a broad network of national and specialty carriers. We design tailored solutions aligned with each organization’s industry, scale, and risk profile.
Cost-Efficiency
We prioritize sustainable cost control through pre-renewal analysis, benchmarking, actuarial support, and financial valuation. Our objective is not simply to reduce premiums — but to optimize total risk cost over time.
Our Milestones
1981
Founded on July 21, 1981 as First Insurance Group, Inc., a Hispanic (100% Puerto Rican) owned insurance broker.
1985
Willis Towers Watson, the world's 3rd largest insurance broker, appoints us as its Puerto Rico Retail Network Member.
1987
Organization of our Claims, Construction, Personal Risks, Loss Control & Employee Benefits Practices.
1989
First acquisition of insurance producer, Víctor Méndez Cortés.
1996
Became the PR exclusive representative of the Professional Liability Agents Network,a nationwide organization of insurance producers with professional liability insurance expertise.
Fulcro North America is licensed in 24 U.S. states and maintains strategic presence in:
Puerto Rico
Georgia
Florida
Dominican Republic
U.S. Virgin Islands
Our footprint includes major markets across the Southeast, Northeast, Midwest, and West Coast, allowing us to support multi-state and cross-border operations with consistency and technical rigor.
MEET THE EXECUTIVE NERDS
Ramón A. Pérez Blanco, Esq., CPCU
CEO
Janyra Pérez Blanco, CPCU, CISR
President
Clementina Bayot-Hiteshew, MBA, JD
Surety Manager
Ruth Martin, CIC
Senior Account Manager
Marian Bozo
Producer
Krizianid Vazquez
Assistant Account Manager
Christian Monnar
Producer
Manuel Garcia
Producer