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    brokerage firm.

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contact us

Puerto Rico

Los Muchachos Building

204 San Francisco Street

San Juan, PR 00901

Phone: 787.725.5880


47 Perimeter Center East

Suite 100

Atlanta, GA 30346

Phone: 404.873.2536

Dominican Republic

Avenida Maximo Aviles

Blonda No. 20 Esq. Jose Brea

Peña, Ens. Evaristo Morales

Santo Domingo

Phone: 809.541.3155

about the company
insurance services

Fulcro Insurance is a Hispanic owned brokerage firm with offices in Puerto Rico, Dominican Republic and Georgia. Founded in 1981 as First Insurance Group, we changed our name to Fulcro Insurance in 2008. This change reflects our mission to shift the balance in favor of the insured. At Fulcro, we are your point of support in challenging times, and we provide the assistance you need to level the playing field.

Throughout our history, the insurance industry and the business community has recognized Fulcro Insurance's capabilities and distinguished it as one of the leading, most technically skilled, and professionally focused insurance intermediaries.

In this web page, we will share with you our qualifications, vision, and the service organization that we have structured to ensure that we continue to deliver superior quality in an efficient, prompt and creative manner.

our team

Ramón A. Pérez Domínguez



Dr. Ramón A. Pérez is Co-founder & Chairman of Fulcro Insurance, Inc. He holds a PhD and Masters Degree in Business Administration with a concentration in Insurance, both from Georgia State University, and a BBA with a Finance major from the University of Puerto Rico. He also holds the CPCU (Chartered Property and Casualty Underwriter) and CLU (Chartered Life Underwriter) designations.

Ramón A. Pérez Blanco



Ramón A. Pérez Blanco is President of Fulcro. He holds a Juris Doctor with a Certificate in Maritime Law from Tulane University Law School; a Masters Degree in Business Administration with a concentration in Risk Management & Insurance, and a BBA with a Risk Management & Insurance major both from Georgia State University. He also holds the CPCU (Chartered Property and Casualty Underwriter) designation.

Julio C. Ortiz



Julio C. Ortiz is Partner in charge of the Employee Benefits Practice. Ortiz managed the group and health division for a major international insurance company’s Puerto Rico office. He holds the Health Insurance Association Professional and the Managed Health Care Professional designations. He studied Business Administration in the University of Puerto Rico and has experience in the medical and life insurance fields.

Rafael Lebrón



Mr. Lebrón began his insurance career in 1976 as a Claims Adjuster becoming Claims Manager and Underwriting VP of an insurer. He taught Claims Adjusting at a University and is an insurance court expert. Has a Bachelor in Arts degree (Magna Cum Laude) from the Inter American University. Is a graduate from the Insurance Institute of America. Among the ten professional designations that he holds stands the Chartered Property and Casualty Underwriter, Certified Risk Manager and Certified Insurance Counselor.

Janyra Pérez Blanco



Pérez Blanco is Operations Manager and Private Client Practice Leader of Fulcro Insurance. She holds a postgraduate diploma in Risk Management and Insurance from St. John’s University. Pérez also has a Master in Business Administration and a Bachelor’s Degree (Suma Cum Laude) in Psychology both from the Interamerican University of Puerto Rico. In addition, she holds the Certified Insurance Service Representative Designation (CISR) and is a CPCU candidate.

Arturo G. Ortiz-Rodriguez



Mr. Ortiz is Corporate Secretary and Partner leading our Claims and Legal Disputes Practice. He holds a Juris Doctor Magna Cum Laude from the Law School of the University of Puerto Rico. He also has a Master Degree in Business Administration with concentrations in Insurance and Finance from The College of Insurance in New York and a Bachelor’s degree in Economics from the University of Pennsylvania.

José Lee Nogueras


Mr. Lee is Partner of the Construction Risks Practice. He holds a Master Degree in Business Administration with concentration in Insurance from the College of Insurance in New York, and a Bachelor’s Degree in Marketing from the University of Sacred Heart of Puerto Rico. Mr. Lee has experience in surety, insurance and risk management.

Enrique R. Pérez Blanco


Mr. Perez is an Account Executive in the Business Development Practice at Fulcro Insurance. Prior to joining Fulcro Insurance, Mr. Perez worked in the Loss Control Department of a Puerto Rico based insurance company. He holds an MBA in Risk Management & Insurance from St. John’s University (College of Insurance) as well as a BBA in Risk Management & Insurance from Georgia State University.

Miguel Tirado Cardona


Tirado is Partner managing the Business Development Practice for Fulcro Insurance, Inc. He is a Human Resources Professional with extensive managerial experience within the functions in manufacturing, sales, and service environments for many multi-national organizations. Miguel holds a Master Degree in Human Resources from the University of Phoenix, as well as a Bachelor in Business Administration from the University of Puerto Rico.

Amalia Rosa Fernández


Amalia Rosa Fernández is Co-founder and Special Advisor of Fulcro Insurance. She graduated from the University of Oriente, Cuba, in Business Administration with a Major in Accounting. She also holds the Certified Insurance Counselor and Certified Insurance Services Representative designations.

At Fulcro Insurance, services are offered through a wide range of Risk Practices, which encompass everything from loss prevention and claims management to both individual and group life and health insurance. These risks are evaluated separately and efficiently by the best professionals in each field.

Commercial Risks

Fulcro Insurance manages a wide variety of insurance portfolios for industrial and commercial concerns, such as manufacturing and processing plants, petrochemicals, utilities, transportation, retail and wholesale distribution, government institutions, as well as professionals.

Some of the insurance programs placed for these clients include:

  • Automobile
  • Aviation
  • Boiler and Machinery
  • Crime
  • Cyber Risks
  • Financial Risks
  • Marine
  • Primary and Excess Liability
  • Professional Liability
  • Property
Construction Risks

Fulcro Insurance is one of the few brokers dedicated to addressing the needs of the construction industry. Clients of this Practice include contractors, suppliers, construction managers, architects and engineers, developers and government agencies. This Risk Practice has bonded and insured projects of all types, from residential and industrial to infrastructure.

Some of the most important services provided by the Construction Risk Practice include:

  • Contractor's qualification with the surety
  • Financial analysis presentations
  • Design and administration of wrap-up insurance programs
  • Placement of required insurance coverages, including professional liability insurance programs for architects and engineers
  • Providing instant evidence of required insurance coverage
  • Review bonding and insurance requirements in construction contracts
Private Client Practice

Fulcro Insurance has a dedicated Private Client Practice that advises and places insurance programs to protect the assets and exposures of individuals and their families.

Some of the products offered to the clients of our Private Client Practice include:

  • Homeowner's and dwelling Insurance
  • Personal Auto
  • Jewelry
  • Yacht
  • Life and Disability Insurance
  • Personal Umbrellas
  • Personal Package Policies
  • Flood Insurance
  • Fine Arts
Employee Benefits

Fulcro Insurance is one of the few insurance organizations that can offer an integrated solution to the complex administrative challenges that the Human Resources Manager faces.

Our Employee Benefits Practice’s Team provides a comprehensive package of services in areas such as:

  • Benefit Program Design, Placement and Administration
  • Feasibility Studies of Funding Alternatives
  • Audits of Plan Administration Procedures
  • Employee Communication Programs
  • Health and Wellness Programs
  • Statutory Compliance Reviews
  • Web Based Human Resources Information Systems
  • Voluntary Programs
  • HR Consulting Services
  • Retirement Plans

Fulcro Insurance’s Benefits Practice is aware of the critical importance of your Employee Benefits to your staff, and of management’s ever present concern to control this expenditure. We, also stand ready to put our Benefits resources and expertise at your service.

Loss Control

Fulcro Insurance has the resources to help its clients develop a managerial philosophy geared to provide a safe and healthful work environment. Loss control programs are the most effective risk management tools that promote long-term economies in the cost of risk.

Clients can benefit from the following services, among others:

  • Assessment of Loss Control Programs
  • Programs Implementation Support
  • Management Training
  • Risk Control Inspections

Fulcro Insurance believes that the coordination, control, and proper management of losses is the culmination of an effective risk financing program. For that reason Fulcro Insurance maintains a dedicated staff of highly experienced claims specialists that will ensure our client receives compensation for every loss covered by its insurance program. Depending on the nature and complexity of the loss, the client’s Engagement Leader, Account Executive, and Risk Control Resources will also participate actively in the execution of your insurance claims management process.

Fulcro Insurance’s claims services are usually delivered in four phases: Pre-loss activities, Reporting, Loss Coordination, and Negotiation and Dispute Resolution.

Some of our claims services include:

  • Orientation and assistance in submitting a claims report
  • Assessment and quantification of losses
  • Expediting fair and prompt settlements
  • Tracking of legal claims handled by insurer's counsel
  • Providing advice and support with insurance disputes
  • Claim Management System
international resources

To assist in the design of the most effective individual program, and to be able to offer thorough, comprehensive assistance to the business community, Fulcro Insurance expands the scope of its consulting services from within and through its association with some of the most prestigious, specialized risk and insurance organizations in the world.

our blog

mar 19

Todo lo que debes saber sobre las cuentas de Retiro Individual (IRA)

posted by Fulcro on March 19, 2014

Una cuenta de Retiro Individual (IRA) son anualidades de retiro individual que funcionan como un plan de ahorro para el retiro. Estas pueden representar una deducción en la planilla de contribución sobre ingresos y están diseñadas para estimular el ahorro para su retiro. Las aportaciones pueden ... read more

mar 10

Ratings may fail!

posted by Fulcro on March 10, 2014

We have  been talking all week about Insurance Companies financial ratings.  But even with a good rating some insurers have failed, despite the fact that their financials indicated that they would not. When this happens, the Property and Casualty Guaranty Fund is activated by the Office of the ... read more

mar 06

What is ‘Secure’ or ‘Vulnerable’ in Insurance Company’s Rating?

posted by Fulcro on March 6, 2014
Red felt-tip pen over "excellent" ratings on checklist.

Based on the evaluation of the financial statements presented to the Insurance Commissioner & interviews with the management of each insurance company, Best’s issues rating opinions that are divided in two broad categories: Secure & Vulnerable. Based on Best’s solvency studies insurance ... read more

mar 02

Do you know why an insurer’s financial rating is so important?

posted by Fulcro on March 2, 2014

You may have noticed that in our insurance program presentations we include the insurer rating depicted by a rank for those insurance companies quoting the risk. This rating reflects the financial strength of the insurance company.  Also, this rating is important to mortgage holders and other ... read more

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