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contact us

Puerto Rico

Los Muchachos Building

204 San Francisco Street

San Juan, PR 00901

Phone: 787.725.5880

Georgia

47 Perimeter Center East

Suite 100

Atlanta, GA 30346

Phone: 404.873.2536

Toll free: 1.888.425.5666

Florida

100 E Pine Street

Suite 301

Orlando, FL 32801

Phone: 407.384.2201

Toll free: 1.888.425.5666

Florida

1500 San Remo #247

Coral Gables, FL 33146

Phone: 404.873.2536

Toll free: 1.888.425.5666

Dominican Republic

Avenida Maximo Aviles

Blonda No. 20 Esq. Jose Brea

Peña, Ens. Evaristo Morales

Santo Domingo

Phone: 809.620.0000

Phone: 809.227.1327

about the company
insurance services

Fulcro Insurance is a Hispanic owned brokerage firm with offices in Puerto Rico, Dominican Republic, Florida 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

PhD, CPCU, CLU

tperez@fulcroinsurance.com

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

ESQ., CPCU

rperez@fulcroinsurance.com

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

MHP, HIA

julioortiz@fulcroinsurance.com

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.

Janyra Pérez Blanco

CISR

jperez@fulcroinsurance.com

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

ESQ.

aortiz@fulcroinsurance.com

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

jlee@fulcroinsurance.com

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

eperez@fulcroinsurance.com

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

migueltirado@fulcroinsurance.com

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.

Ruben A. Jordan Garcia

rjordan@fulcroinsurance.com

Mr. Ruben A. Jordan is the first Hispanic to act as Chairman of the International Committee of the National Association of Surety Bond Producers and is a former Regional Vice President of said Association. He has a Bachelors Degree in Business Administration from the University of Puerto Rico. As well, he holds a Post graduate diploma in Finance from the Interamerican University of Puerto Rico.

Ernesto (TATO) Marrero

emarrero@fulcroinsurance.com

Ernesto Marrero is Principal of Fulcro Insurance dedicated to Business Development. He holds a Bachelor in Arts from the University of Puerto Rico. As well, he has taken specialized courses in Surety from the National Association of Surety and Bond Producers. Marrero has vast experience in the insurance industry serving as Underwriter and Manager in several insurance companies.

Rosa Ciuró holds a Bachelors Degree in Business Administration from the University of Puerto Rico. She holds the Certified Insurance Service Representative Professional Designation. Ciuró began her insurance career in the Office of the Commissioner of Insurance. She specializes in Construction and Commercial Risks.

Ruben Jordan Blanes

raj@fulcroinsurance.com

Mr. Jordan Blanes holds a Bachelors Degree from High Point University in North Carolina and an Insurance and Risk Management diploma from the National Alliance School for Producers in Boston. In addition, he has taken specialized courses in Surety from the National Association of Surety and Bond Producers. Jordan has over 18 years of experience in the insurance industry.

Enid González González

egonzalez@fulcroinsurance.com

Mrs. Enid González holds a Bachelors Degree in Business Administration from the University of Puerto Rico. González has taken many specialized courses such as: Property Loss Adjustment, Liability Claims Adjusting and Financial Lines. She holds the Certified Insurance Counselor Professional Designation. Prior to joining Fulcro, she served as a Loss Adjuster in several insurance companies and Account Executive in several insurance brokers.

Amalia Rosa Fernández

CIC

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.

Rafael Lebrón

CPCU, CRM, CIC, AIC, AMIM, AFSB, AU, AIS, Are, AINS

rlebron@fulcroinsurance.com

Rafael Lebrón is Special Technical Advisor of Fulcro Insurance. 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.

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
Claims

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
publications

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

dec 15

SOLICITUD DE REEMBOLSOS DE PRIMA DE ASEGURADOS

posted by Yaxira Rodriguez on December 15, 2014

Atención a nuestros clientes con seguro privado de responsabilidad pública de automóvil Si usted es dueño de un automóvil en Puerto Rico debe saber que todos los años cuando renueva su marbete paga una prima de $99 (uso privado) o $148 (uso comercial) por concepto de seguro obligatorio. Al ... read more

dec 07

Everybody should have a Personal Umbrella Policy….Here are some good reasons.

posted by Yaxira Rodriguez on December 7, 2014

Many people are unaware why they need a Personal Umbrella Policy. This policy will protect you against a catastrophic liability loss because it provides high limits of liability and normally pays for some losses not covered by the underlying policy, such as legitimate allegations concerning ... read more

nov 24

Certified Worksite Wellness Specialist

posted by Fulcro on November 24, 2014

We are proud to say that we have in our team, the only Certified Worksite Wellness Specialist in Puerto Rico. Mrs. Gisela Burgos, our in-house Certified Health Educator, recently obtained the National Wellness Institute’s Certified Worksite Wellness Specialist certification.  This ... read more

copyright © 2014 Fulcro Insurance, Inc.