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 45 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 28 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
Enrique Pérez Blanco
CPCU, ARe™
Partner, President of Fulcro Puerto Rico
Clementina Bayot-Hiteshew, MBA, JD
Surety Manager
Christian Monnar
Development Manager
Ruth Martin, CIC
Senior Account Manager
Jennifer Croley
Account Manager
Amaris de Jesus
Account Manager
Cecilia Escalante
Administrative Assistant
Mercedes Caballero
Administrative Assistant
Krizianid Vazquez
Assistant Account Manager
Marian Bozo
Producer
Manuel Garcia
Producer
Our
Milestones
1981
Founded on July 21, 1981 as First Insurance Group, Inc., a Hispanic (100% Puerto Rican) owned insurance broker.
1985
2008
First Insurance Group, Inc. rebrands itself as Fulcro Insurance. This change in Corporate Identify accomplished three major objectives.
1. Eliminate existing brand confusion caused by other competitors using similar names.
2. Adopt a name that would project more clearly our brand essence.
3. Develop a brand that would facilitate our expansion into Spanish and English speaking markets.
1998
Acquired 25% one of the leading brokers in the Dominican Republic, Manuel O. Matos & Asociados, now Matos Corredores de Seguros. This acquisition not only started Fulcro Insurance’s geographic diversification initiatives, but also positioned the company in a competitive advantage with insureds engaged in the growing trade between Puerto Rico and the Dominican Republic.
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Initiated the US expansion strategic plan with the formation of Fulcro Insurance of Georgia, LLC.
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Currently licensed in 24 States including, all Southeastern US States, California, New York, and New Jersey.
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Became certified as a Minority Business Enterprise by the National Minority Supplier Development Council.
2012
Entered into partnership with Globex International Group. Globex is an international employee benefits, insurance and risk management consulting firm for brokers, agents and underwriters.
2014
Continued the US expansion with the opening of a Branch Office in Orlando, Florida.
2021
Our user-friendly, convenient online portal was created and made available to PR & US clients. Via this portal clients can see their policies, claims, documents and request services such as certificates of insurance, or changes.
2018
Fulcro Georgia became a Gallagher Connect Partner. A network for Minority enterprises. Gallagher is the
fourth largest Risk Management & Insurance Broker in the world, and was established in the 1920s.
2024
The Fiducial Adviser merged with Fulcro
Insurance to expand financial planning and risk management services.
2023
Fulcro launched Fulcro People by merging its Benefits Practice with Retention Strategies, a full-service firm with significant expertise in employee benefits and human resources.
Corroon and Black, now Willis Towers Watson, the world's third largest insurance broker, appoints Fulcro Insurance as its Puerto Rican Retail Network Member.