América del norte
IN
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FAVOR
SU
PEOPLE'S,
Y
CONFIANZA
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En tu favor, en el de tu pueblo y en el de tu confianza.
Seguros, prestaciones, recursos humanos y gestión patrimonial.
en Puerto Rico y Estados Unidos
A Leading Integrated Risk Management Firm in North America
At Fulcro Insurance, we deliver insurance and risk management solutions that go beyond policies—we provide clarity, confidence, and long-term peace of mind.
We partner with businesses, organizations, and individuals across industries to proactively identify risk, optimize coverage, and support better decision-making in an increasingly complex environment.
Our approach combines deep technical expertise with a consultative mindset, allowing us to design tailored strategies that evolve with our clients’ needs—whether managing operational risk, protecting assets, or supporting growth across multiple markets.
With over 45 years of experience and a proven track record in Puerto Rico and the United States, Fulcro is more than a broker—we are a trusted advisor, committed to helping our clients navigate risk with precision, insight, and care.
Your Trusted Partner
Práctica interna de reclamaciones y litigios
Empresa certificada propiedad de minorías (NMSDC)
Socio de Gallagher Connect
Fundada localmente en 1981, cuenta con más de 45 años de crecimiento continuo.
120+ insurance and advisory professionals
$170M+ in managed premium volume
Licensed in 28 U.S. states including all Southeastern states, NY, NJ, and CA
Asesoramiento experto, acceso a diversas opciones y apoyo a precios competitivos.
Desde seguros comerciales hasta beneficios para empleados y planificación de la jubilación, ayudamos a los empleadores de Puerto Rico a proteger su negocio, proteger a su personal y cumplir con la normativa, sin tener que lidiar con múltiples proveedores diferentes.
Asesoramiento experto, acceso a diversas opciones y rentabilidad.
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.
Desde seguros comerciales hasta beneficios para empleados y planificación de la jubilación, ayudamos a los empleadores de Puerto Rico a proteger su negocio, proteger a su personal y cumplir con la normativa, sin tener que lidiar con cinco proveedores diferentes.
Servicios de personal y cumplimiento normativo
Auditorías de Cumplimiento de Recursos Humanos | Apoyo en Reclutamiento y Adquisición de Talento | Estrategia y Administración de Beneficios para Empleados | Asesoría Laboral y Regulatoria para Empleadores en Puerto Rico
Simplificamos la gestión de recursos humanos para los empleadores en Puerto Rico con asesoramiento a demanda, la documentación requerida y programas de beneficios para empleados que le ayudan a atraer y retener talento, y a estar siempre preparado para las inspecciones.
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.”
Desarrolladores de Isla Verde
“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.”
Grupo de Clínicas Medwell
Con la confianza de los líderes de la industria.
Información sobre seguros y riesgos en su idioma.
Mulugeta "MG" Zeleke
Co-Owner, BRTU Construction Inc.
"Enrique became an advocate for BRTU, representing us at every opportunity. He has helped BRTU grow and expand, and that probably has a lot to do with the personal relationship we’ve built. That personal relationship has allowed us to maintain open communication 24/7."
Luis Pagán
Owner, AP Construction
"Since joining the Fulcro family, they’ve done more than help us resolve an issue. They helped us secure the insurance coverage we needed, obtain the surety bond we didn’t have here, and build a relationship that goes beyond business. It feels like we’re part of a family."
Seguros especializados para su sector. Diseñados para crecer con usted.
Seguros especializados para su sector. Diseñados para crecer con usted.
STACKS es el marco de seguros estructurado de Fulcro, diseñado para pequeñas y medianas empresas (PYMES) de propiedad hispana y orientadas al crecimiento en los sectores de la construcción, el comercio minorista, los servicios de alimentación, la logística y los servicios profesionales.
En lugar de ofrecer cobertura de forma reactiva, STACKS ofrece programas de seguros preestructurados y adaptados al sector que anticipan el riesgo operativo, simplifican la toma de decisiones y respaldan la expansión del negocio.
Seguros en Tu Idioma
Información sobre seguros y riesgos en español
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