Whether you’re a contractor, supplier, engineer, or developer, Fulcro’s all insurance lines experts are here to help you manage your project’s unique risks to design a specialized and effective policy plan. You can focus on the building while we make sure you’re protected if the unexpected happens.

Policies to consider include:

Bid Bond
A type of construction bond that protects the owner or developer in a bidding process. It is a guarantee that you, as the bidder, provide to the project owner to ensure that if you fail to honor the terms of the bid, he/she will be compensated.

Builders Risk Liability
Protects a person’s or organization’s insurable interest in materials, fixtures, and/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause.

Business Automobile Liability
Covers the financial responsibility if you or an employee is at fault in an automobile accident and people are injured or their property is damaged.

Environmental Impairment Liability (EIL)
This policy is designed to provide coverage for unknown pre-existing, and future environmental liabilities. It can be tailored to provide coverage for claims for bodily injury, property damage, and cleanup costs as a result of a pollution event.

Equipment Breakdown Insurance
Protects your company’s mechanical, electrical, and computer equipment from unexpected breakdowns including the cost to repair or replace damaged equipment.

Equipment Floater Insurance
Covers loss of or damage to equipment that is moved from one location to another. Can be written as an individual policy or added to a standard property policy.

General Liability
Covers bodily injuries and property damage your business may have caused, as well as advertising injury, copyright infringement, reputational harm, administrative costs to handle covered claims, court fees, judgments, and settlements.

Inland Marine Insurance
Protects business property in transit over land or water or stored at a site other than your main business location. It also covers specialized high-value assets that property insurance typically doesn’t cover.

Owners & Contractors Protective (OCP)
Provides coverage to insured project owners for liability for covered bodily injury or property damage at on-site operations, or ongoing operations being performed for them by the designated contractor.

Payment Bond
Protects laborers, material suppliers, and subcontractors against nonpayment. This guarantee is usually required in most construction projects.

Performance Bond
Performance bonds are a guarantee that a contractor will complete a construction project according to the agreed-upon contract.

Property Insurance
Provides protection for, but not limited to, your building, its equipment, and the business’ personal property within the building against all covered causes of loss such as but not limited to Windstorm, Fire, Earthquake, Theft, and attempted theft.

Umbrella Policy *Available only to Puerto Rico clients.
Extra insurance that provides protection beyond existing limits and coverages of other policies, including bodily injuries, property damage, as well as personal and advertising injuries.