IN
YOUR
FAVOR
YOUR
PEOPLE'S,
AND
TRUST
Tipping the Balance
in Your Favor, Your People’s, and Trust
Insurance, Benefits, HR, and Wealth Management
in Puerto Rico and the U.S.
A Leading Integrated Risk Management Firm in North America
At Fulcro Insurance, we empower small and medium-sized businesses (SMBs) with insurance solutions that go beyond policies—we deliver peace of mind, proactive risk management, and strategic partnership.
Our approach is built on a deep understanding of the unique challenges SMBs face, especially those led by Hispanic entrepreneurs in high-impact industries like construction, retail, and food services.
With over 45 years of industry experience and a proven record in Puerto Rico and the U.S., Fulcro is not just a broker—we’re a trusted advisor, helping businesses navigate risk with clarity, confidence, and care.
Your Trusted Partner
In-house Claims & Legal Dispute Practice
Certified Minority-Owned Business (NMSDC)
Gallagher Connect Partner & Globex International affiliation
Locally founded in 1981 with over 40 years of continuous growth
120+ insurance and advisory professionals
$170M+ in managed premium volume
Licensed in 24 U.S. states including all Southeastern states, NY, NJ, and CA
Expert Advice, Access to Diverse Options, and Cost-Conscious Support.
From commercial insurance to employee benefits to retirement planning, we help Puerto Rico employers protect the business, protect their people, and stay compliant — without juggling five different vendors.
Expert Advice, Access to Diverse Options, and Cost Efficiency.
From commercial insurance to employee benefits to retirement planning, we help Puerto Rico employers protect the business, protect their people, and stay compliant — without juggling five different vendors.
People & Compliance Services
HR Compliance Audits | Recruiting & Talent Acquisition Support | Employee Benefits Strategy & Administration | Labor & Regulatory Guidance for Puerto Rico Employers
We simplify HR for employers in Puerto Rico with on-demand advisory, required documentation, and employee benefits programs that help you attract and retain talent — and stay inspection-ready.
Expert Advice, Access to Diverse Options, and Cost Efficiency.
From commercial insurance to employee benefits to retirement planning, we help Puerto Rico employers protect the business, protect their people, and stay compliant — without juggling five different vendors.
People & Compliance Services
HR Compliance Audits | Recruiting & Talent Acquisition Support | Employee Benefits Strategy & Administration | Labor & Regulatory Guidance for Puerto Rico Employers
We simplify HR for employers in Puerto Rico with on-demand advisory, required documentation, and employee benefits programs that help you attract and retain talent — and stay inspection-ready.
What Our Clients Say About Fulcro Insurance
“Working with Fulcro has transformed how we handle risk across all our construction sites. Their team doesn’t just sell policies—they proactively help us spot vulnerabilities before they become costly problems.”
Isla Verde Developers
“Fulcro’s attention to detail and responsiveness made all the difference during a complex claim we filed last year. We felt supported every step of the way—and that’s rare in this industry.”
Caribbean Solutech
“Fulcro understands the nuances of healthcare risk better than anyone we’ve worked with. Their strategic guidance has helped us protect both our staff and our patients while staying compliant.”
Medwell Clinics Group
Trusted by Industry Leaders
Insurance and Risk Insights in your language
Industry-Specific Insurance. Built to Scale With You.
Industry-Specific Insurance. Built to Scale With You.
STACKS is Fulcro’s structured insurance framework designed for Hispanic-owned and growth-oriented SMBs in construction, retail, food services, logistics, and professional services.
Rather than assembling coverage reactively, STACKS delivers pre-structured, industry-aligned insurance programs that anticipate operational risk, simplify decision-making, and support business expansion.
Seguros en Tu Idioma
Insurance and Risk Insights in Spanish
Balance in your favor
