Terms & Conditions

Effective Date: May 26th, 2026

Welcome to the Fulcro Insurance website. These Terms & Conditions (“Terms”) govern your access to and use of this website and any related online content, forms, resources, or communications provided by Fulcro Insurance (“Fulcro,” “we,” “our,” or “us”).

By accessing or using this website, you agree to these Terms. If you do not agree, please do not use this website.

1. Website Purpose

This website is provided for general informational purposes only. The content on this website is intended to introduce Fulcro’s services, areas of expertise, industry experience, resources, and contact options.

Nothing on this website should be interpreted as legal, financial, tax, risk management, insurance, or professional advice. Any insurance-related information provided through this website is general in nature and may not apply to your specific circumstances.

2. No Insurance Coverage Created

Use of this website, submission of a contact form, email communication, or request for information does not create an insurance policy, binder, certificate of insurance, broker-client relationship, advisory relationship, or any guarantee of coverage.

Insurance coverage is only established through formal application, underwriting, acceptance by an insurance carrier, payment of applicable premiums, and issuance of policy documents or written confirmation by authorized parties.

3. No Guarantee of Coverage or Results

Fulcro may assist clients in evaluating insurance options, risk management strategies, claims matters, employee benefits, and related services. However, we do not guarantee:

Approval of insurance coverage
Availability of specific policy terms
Premium amounts
Claim outcomes
Carrier decisions
Regulatory approvals
Specific financial or business results

All insurance products, services, and coverage options are subject to underwriting, carrier guidelines, policy terms, exclusions, limitations, and applicable laws.

4. Accuracy of Information

We make reasonable efforts to ensure that the information on this website is accurate and current. However, we do not guarantee that all content is complete, accurate, updated, or free from errors.

Fulcro may update, modify, or remove website content at any time without prior notice.

5. User Responsibilities

By using this website, you agree to:

Provide accurate and truthful information when submitting forms or requests
Use the website only for lawful purposes
Avoid interfering with the website’s functionality or security
Refrain from attempting to access restricted systems or data
Not use the website to transmit harmful, misleading, unlawful, or inappropriate content

You are responsible for ensuring that any information you submit is accurate and complete.

6. Intellectual Property

All content on this website, including text, graphics, logos, images, icons, design elements, videos, downloadable materials, and other digital assets, is owned by or licensed to Fulcro unless otherwise stated.

You may view and use website content for personal, informational, or internal business purposes only. You may not copy, reproduce, distribute, modify, publish, sell, or exploit any website content without prior written permission from Fulcro.

7. Third-Party Links

This website may include links to third-party websites, tools, platforms, or resources. These links are provided for convenience only.

Fulcro does not control and is not responsible for third-party websites, content, privacy practices, security, availability, or services. Accessing third-party websites is at your own risk.

8. Online Forms and Communications

When you submit information through this website, you authorize Fulcro to use the information provided to respond to your inquiry, evaluate your request, and communicate with you.

Electronic communications may not always be secure. Please avoid submitting highly sensitive information through general website forms unless specifically requested through a secure channel.

9. Website Availability

We strive to keep the website available and functioning properly. However, we do not guarantee uninterrupted access, error-free operation, or that the website will always be available.

We may suspend, restrict, update, or discontinue any part of the website at any time without notice.

10. Limitation of Liability

To the fullest extent permitted by law, Fulcro, its affiliates, officers, employees, representatives, agents, and partners shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or other damages arising from or related to:

Your use of or inability to use the website
Reliance on website content
Errors or omissions in website information
Technical issues, interruptions, or security incidents
Third-party websites or services
Information submitted through the website

Your use of this website is at your own risk.

11. Disclaimer of Warranties

This website and its content are provided “as is” and “as available,” without warranties of any kind, either express or implied.

Fulcro disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, availability, and security.

12. Indemnification

You agree to indemnify and hold harmless Fulcro, its affiliates, officers, employees, representatives, agents, and partners from any claims, liabilities, damages, losses, costs, or expenses arising from your use of the website, violation of these Terms, or submission of inaccurate or unlawful information.

13. Privacy

Your use of this website is also governed by our Privacy Policy. Please review it to understand how we collect, use, and protect your information.

14. Jurisdiction

These Terms shall be governed by the applicable laws of the jurisdiction in which Fulcro operates, without regard to conflict of law principles.

Because Fulcro operates in multiple jurisdictions, including Puerto Rico, the United States, and the Dominican Republic, certain services may be subject to specific local laws, regulations, licensing requirements, or carrier conditions.

15. Changes to These Terms

Fulcro may update these Terms from time to time. Any changes will be posted on this page with an updated effective date. Your continued use of the website after changes are posted means you accept the revised Terms.

16. Contact Us

If you have questions about these Terms & Conditions, please contact us:

Fulcro Insurance
Puerto Rico Office
Los Muchachos Bldg.
204 San Francisco St.
Old San Juan, PR 00901

Email: pr@fulcroinsurance.com
Phone: 787.725.5880