Our Offices:
Puerto Rico and
Dominican Republic.
Our Offices:
Florida and
Georgia.
we're
a privately-owned
brokerage firm.
it's
actually not
that complicated.
confused?
it's ok,
we're here to help.
like Google maps,
but for insurance
and stuff like that.
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
Toll free: 1.888.425.5666
100 E Pine Street
Suite 301
Orlando, FL 32801
Phone: 407.384.2201
Toll free: 1.888.425.5666
Avenida Maximo Aviles
Blonda No. 20 Esq. Jose Brea
Peña, Ens. Evaristo Morales
Santo Domingo
Phone: 809.620.0000
Phone: 809.227.1327
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.
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.
Pérez Blanco is Partner in charge of Operations. 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.
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.
Mr. Jordan Blanes is Partner leading our Construction Risks Practice. He 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.
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.
Mr. Lee is Fulcro’s Property & Casualty Director. 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.
Mr. Perez is Managing Director at Fulcro Insurance of GA, LLC. 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.
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.
Lebrón is Special Technical Advisor who 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 speaker and author. Has a Bachelor in Arts degree from the Inter American University and is a graduate of the Insurance Institute of America.
Ramón A. Pérez Domínguez
PhD, CPCU, CLU
Dr. Ramón A. Pérez Co-founder of Fulcro Insurance, Inc. and retired from the company in 2018. 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.
Amalia Rosa Fernández
CIC
Amalia Rosa Fernández is Co-founder of Fulcro Insurance, Inc. and retired from the company in 2004. 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:
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:
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:
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:
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:
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:
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.
Willis is a leading international insurance services firm with a worldwide network of risk management and loss control specialists developing and delivering insurance, reinsurance, financial and human resources services. As Willis' Retail Network Member in Puerto Rico since 1985, Fulcro Insurance's capabilities are expanded with research, quantitative analysis, and access to international markets and other risk management services which are critical for companies with multi-country exposures.
For more information, visit: www.willis.com
Fulcro Insurance is the Puerto Rico representative of Professional Liability Agents Network (PLAN) since 1996. PLAN is a network of a select group of insurance agencies and brokers that specialize in risk management and loss prevention programs for architects, engineers and environmental consultants. PLAN member companies are based in the United States and Canada in addition to Puerto Rico.
For more information, visit: www.plan.org
Organized and licensed to act as an insurance broker in 1995, Manuel O. Matos, Brea & Asociados is the second largest insurance broker in the Dominican Republic. The Firm has offices in Santo Domingo, La Romana, Puerto Plata, Bonao, Punta Cana and Santiago. Manuel O. Matos, Brea & Asociados is an all-lines insurance broker with strong participation in the construction, industrial, commercial and aviation insurance markets. During 1998, Fulcro Insurance acquired 20.75% of the outstanding stock of the Firm and, immediately thereafter, Willis appointed Manuel O. Matos, Brea & Asociados as its global retail network member for the Dominican Republic and Haiti.
For more information, visit: www.momatos.com
Successful organizations recognize the competitive advantage in a highly qualified workforce. Human Capital is uniquely qualified to support measurable advancement of human performance in the workplace. They offer their customers expertise in the increasingly complex areas of recruitment, payroll, training and development, compensation, employee benefits, labor relations and many other human resources related issues.
Human Capital key business services provide their clients with the strategic HR solution in the following areas:
For more information, visit: www.humancapitalpr.com
In 2012 Fulcro Insurance entered into partnership with Globex International Group. Globex is an international employee benefits, insurance and risk management consulting firm for brokers, agents and underwriters.
For more information, visit: www.globexintl.com
Fulcro Insurance is a proud partner of the Gallagher Global Alliance, a network of international brokers, selected by Arthur J Gallagher & Co. for their quality and consistency of service on all lines of insurance. Arthur J. Gallagher & Co. is an international insurance broker and risk management firm founded over 85 years ago with presence in over 150 countries.
For more information, visit: www.gallagherglobalalliance.com/
Fulcro Insurance regularly publishes electronic newsletters with articles relevant to human resources and risk management professionals. To download the latest version, please click on the links below.
Puerto Rico Minority Supplier Development Council will be hosting a seminar “Changes to the Insurance Industry” on November 29, 2018. Fulcro Insurance president Ramón Perez will be speaking! Puerto Rico Minority Supplier Development Council presentará un seminario “Cambios en ... read more
Half of all women who had gestational diabetes go on to develop type II diabetes. La mitad de las mujeres que han padecido de diabetes gestacional desarrollarán diabetes tipo II.
About 1 in 8 women born in the United States today will get breast cancer at some point. 1 de cada 8 mujeres nacidas in Estados Unidos padecerá de cáncer de seno en algún momento.
IF YOU ARE AN EMPLOYER Offering Prescription Drug Coverage: Medicare Prescription Drug, Improvement, and Modernization Act (MMA) requires you to disclose to all Medicare eligible individuals with prescription drug coverage under the plan, whether such coverage is “Creditable” or ... read more
El presidente de Fulcro Insurance Ramón Pérez se ha unido a la campaña “Hombres Reales Visten de Rosa” en apoyo con la Sociedad Americana Contra el Cáncer de PR. “El cáncer es una enfermedad que no distingue entre raza, color, creencia ni status social. Ha tocado la vida de muchas ... read more
About 1 in 9 men will be diagnosed with prostate cancer in his lifetime. Get tested! 1 de cada 9 hombres será diagnosticado con cáncer de próstata en su vida. Hazte la prueba! #cancer #prostatecancer
