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.
Puerto Rico’s Leading Risk Management and Business Insurance Advisory Firm
Fulcro helps companies take control of risk—not just insure it.
With 45+ years serving Puerto Rico and U.S. markets, our insurance advisors (aka Insurance Nerds) deliver data-driven risk assessments, tailored solutions, and proven claims strategies that protect your bottom line. We’re more than insurance brokers. We’re strategic partners, business allies, tech integrators, and compliance experts with deep expertise in Puerto Rico, the mainland U.S., and cross-border operations.
Your Trusted Partner
In-house claims, legal, and COI (certificate of insurance) support
Certified minority-owned business
Cross-border placement and regulatory support
Locally owned and operating in Puerto Rico since 1981
120+
Employees
Offices in Puerto Rico, the U.S., and the Dominican Republic
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 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.
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
What Our Clients Say About Us
Insights for Employers in Puerto Rico
Practical guidance on insurance, HR compliance, benefits, and fiduciary planning — written for business owners and HR leaders in Puerto Rico.
Balance in your favor
