INSURANCE NERDS BLOG

Meet Clementina Bayot-Hiteshew, MBA, JD: Fulcro Insurance’s New Surety Manager

  We had the pleasure of interviewing Clementina Bayot-Hiteshew, a seasoned professional who has recently assumed the role of Surety Manager at Fulcro Insurance of Georgia. With over 20 years of experience in international insurance markets and a strong background in risk assessment and operational aspects of commercial and contract bond placements, Clementina brings a […]

How Insurance Can Cover Unexpected Situations in your Company’s Food Provenance

Within the food supply chain, its provenance is an important factor that can ensure the quality, safety, and sustainability of the food. If a company allows contaminated or mislabelled food to reach the hands of consumers it can not only lead to costly recalls, but also serious fines imposed by governments and litigation by those […]

Insuring the food supply chain

The food supply chain is the series of activities used to produce, process, distribute and consume food. Also, this highly complex and dynamic system is considered as one of the most essential services needed for human survival and development. Consequently, the food system accounts for 10% of the world gross domestic product (GDP). As the […]

Meet ProAccess: Fulcro’s Self-service Online Portal & Mobile App

With this free tool, conveniently manage all of your claims & insurance policies online and/or from your phone!

Get an Inventory App for your Business

Our recommended apps will make taking inventory of your property & belongings faster, more efficient, cost-effective, and manageable.

Crucial steps are being made to stabilize the Florida property insurance marketplace

The Florida Senate approved a sweeping legislative package designed to combat rising property insurance rates & other problems in the state’s turbulent insurance market.

Insurance policies all restaurants should have

Learn more about the different types of policies all restaurants should have to protect their business, patrons & employees.

Why Insurance Is a Must in the Food Service Industry

No industry is safe from injuries & hazards and the food service industry is no exception, being one of the highest-risk environments.

Risks Restaurant Owners Need To Know

Proper training in safety procedures can save your business money & prevent risks in the workplace.

Reduce Restaurant Workers’ Comp Claims with this Easy Checklist

Contact us to learn if your commercial and workers’ comp insurance programs are covering all of your bases.

Protecting your Business’ Intellectual Property

Protecting your company’s intellectual property can save you lots of money, perhaps even your business.

Why you Need Product Liability Insurance

Huge financial losses & damage to your reputation can occur when you sell a faulty product.

Protect your Property, People & Profits with Retail Insurance

Learn about the necessary policies to protect your retail business from loss of income & business interruption if the unexpected happens. 

How to Prepare for a Possible Product Recall

Product recalls can happen at an alarming rate, and business owners must be ready to meet them adequately. Having a plan and the right insurance can shield your business and reputation. 

Managing Retail & Manufacturing Risks

From equipment breakdown insurance to product safety.

Look up the “ACV” of your Commercial and/or Personal Autos

All clients should look up their vehicles’ ACVs in their current policies & amend the value if necessary.

Valuable Tips on How to Create a Company Culture to Reduce your Cyber Risk

Studies show that 86% of cyber attacks and scams are triggered by employees themselves.

Simple Steps you can Take to Protect Your Business From Cyber Scams

Valuable information to help you protect yourself & your business from cyber risks.

3 Tips to Strengthen Your Cybersecurity Posture

Share these valuable tips on cyber security readiness with your employees.

Equipment Breakdown Insurance

Coverage applies to the cost to repair or replace the equipment & any other property damaged by the breakdown.

Learn What a Surety Bond is & Why You Need One

Surety Bonds provide financial security and construction assurance.

Cyber Risk Prevention & Protection: Insurance Policies to Consider

No cyber security plan can eliminate all liability risks but there are insurance policies that can help protect you & your business.

Are your Employee Benefits Programs Protected from the Following Compliance Risks?

Not being compliant with these laws can be very costly.

Fulcro’s Employee Wellness Program Services

Companies offer employees tools for improving their health & reducing health risks through Wellness Programs.

Insurance Policies all Colleges & Universities Should Have

Design a specialized & effective insurance program so that your employees and students are protected if the unexpected happens.

What Coverage do you Need for your Manufacturing Business?

Manufacturers today face increased potential risks more than ever before

Insurance Policies all Retail Businesses Should Have

Our experts are here to design the perfect policy plan tailored to the unique needs

Insurance Policies all Real Estate & Hospitality Businesses Should Have

As we all face this new reality, the real estate and hospitality industry is faced with an entirely new world of risks.

What to do to Minimize Cyber Risk

As soon as you connect a cable for network and Internet connectivity, you’re at risk of a cyber attack.

Do you Need Pollution Liability Insurance?

Most people don’t realize that pollution liability is not covered under a general liability policy.

COVID-19 Claims’ Forecast for Commercial General Liability (“CGL”) Policies

We understand that one of the main liability concerns that CGL insureds face in these

Which of These Cyber Risks is Your Business Exposed to?

Cyber attacks can result in the loss of priceless data, damage to your brand and reputation, loss of consumer trust & business interruption. Learn what you can do to avoid these risks.

Secured Premises: Are you Responsible if There’s an Accident?

Many commercial insureds are subject to this type of exposure.

5 Things to Know About Commercial Property Insurance this Hurricane Season

You may need a business interruption rider to help you pay for ongoing expenses if a hurricane keeps your business from operating.

Why CPAs Should have Professional Liability Insurance

Running a business is inherently a risky endeavor, making quality professional liability

Why you Need Professional Liability Insurance

Protect your business from claims of negligence related to a professional service.

New Cyber Risks Emerge During COVID-19

Whatever your industry may be, if you and your employees are now continuing your

What You Need to Know About Earthquake Insurance

Just as a tsunami or hurricane, earthquakes can cause much harm to your home & livelihood.

Meet Clementina Bayot-Hiteshew, MBA, JD: Fulcro Insurance’s New Surety Manager

  We had the pleasure of interviewing Clementina Bayot-Hiteshew, a seasoned professional who has recently assumed the role of Surety Manager at Fulcro Insurance of Georgia. With over 20 years of experience in international insurance markets and a strong background in risk assessment and operational aspects of commercial and contract bond placements, Clementina brings a […]

What you need to know: General Liability in Construction Insurance

Are you covering all of your bases when it comes to protecting your construction projects?

What you need to know: Workers Compensation Insurance in Construction

Solid worker's compensation insurance is essential, especially in the construction industry, and can help workers pay for medical expenses, missed wages, disability, and death.

Proactive steps to consider if you are a construction risk manager

To help you better navigate your construction insurance needs, we've compiled a list to help you take proactive steps to ensure you are properly covered.

The Impact of Occupational Safety on Workers’ Compensation Insurance

The more workers suffer injuries, accidents, or illnesses, the more expensive Workers' Compensation insurance will be.

Why Keeping Complete Records is Important in Case of a Construction Defect Claim

Avoid the headaches and costly mistakes by keeping complete records in case you encounter a construction risk claim.

Benefits of a Wrap-up Program in Construction Projects

Gain greater control & lower costs.

Construction Risk Management Guide

Read this Construction Risk Management Guide to learn how to manage risk in your construction projects.

Create a Construction Safety Program in 5 Steps

Enhance workplace safety & decrease hazards.

Does your Business need a Contractor’s Pollution Liability Insurance Policy?

Most people don’t realize that pollution liability is not covered under a general liability policy.

Why you should have an Equipment Breakdown Insurance Policy

Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown.

Design a Tailored Insurance & Surety Program for Your Construction Projects

You can focus on the building, while we make sure you’re protected.

Why do I need a Surety Bond?

Financial security that contractors will perform the work & pay subcontractors & suppliers.

Insurance Claims Guide After a Hurricane

Recommendations you should follow in case you suffer damage or loss from a hurricane.

What your homeowner’s policy will & won’t cover after a hurricane (*U.S. clients)

Even the best home insurance won’t pay for every kind of hurricane damage.

Get an Inventory App for your Home & Belongings

Our recommended apps will make taking inventory of your property & belongings faster, more efficient, cost-effective, and manageable.

Look up the “ACV” of your business and/or personal autos

All clients should look up their vehicles’ ACVs in their current policies & amend the value when necessary.

What You Need to Know About Earthquake Insurance

Just as a tsunami or hurricane, earthquakes can cause much harm to your home and livelihood.

Strengthen Your Defenses Against Phishing & other Cyber Scams

Learn how to see the red flags & protect yourself and your business from phishing and other cyber scams.

Protect Yourself From Cyber Scams

Simples steps to protect yourself & your business from cyber risks.

The Benefits of a Personal Lines Umbrella Policy

This policy provides high limits of liability & may pay for losses not covered by the underlying policy.

IMPORTANT NOTICE! Thousands of Florida Property Policies to Cancel

Due to unstable market conditions and widespread fraud and claims abuse in Florida, thousands of Florida property policies to cancel.

Activate your HO-6 Policy: Condominium Insurance

Did you know that you can activate your HO-6 policy online in just minutes?

Cyber Risk Liability: Prevention & Protection

No cyber security plan can eliminate all liability risks. Fortunately, there are now insurance products that specifically cover cyber risks.

The Windstorm Deductible for Homeowners

The Windstorm Deductible is presented as a percentage of your dwelling limit or personal property limit.

Wind vs. Water: Learn From What Risks you Should be Protected

Homeowners & business owners have suffered extensive losses from unexpected deadly storms.

New Cyber Risks Emerge During COVID-19

Cyber ​​hackers take advantage of the pandemic to attack companies and individuals through their digital platforms.

Personal Auto Customers in the U.S. to Receive Credits due to COVID-19

In efforts to support their customers during the #COVID19 emergency, Nationwide announced

Does your Business need a Pollution Liability Insurance Policy?

Most people don’t realize that pollution liability is not covered under a general liability policy. Here we share some important information so you can make an informed decision about whether you need pollution liability insurance for your business. Pollution Liability Insurance, also commonly referred to as “environmental insurance,” helps protect businesses from unexpected pollution exposures […]

Valuable Tips In The Event Of A Storm Or Hurricane

Hurricane season is fast approaching, but before you suffer a significant loss, here are some tips to prepare for an imminent storm or hurricane. In particular, learn tips on how to prepare in case you have to make an insurance claim. WHAT TO DO BEFORE A STORM  Protect your property, especially property that is exposed […]

Shop smart this holiday season to protect your young ones from toy-related injuries

This holiday season and any time of the year, choosing safer toys and alternatives can make a world of difference. Please consider the following guidelines fit for all ages.

Flood Safety Tips for your Home & Business

With the peak of hurricane season upon us, here are some valuable safety and preparation tips to follow before and during a flood.

Valuable Tips on How to Prepare for Hurricane Season

Hurricanes are dangerous and can cause major damage because of storm surge, wind damage, rip currents and flooding.

Tips on How to Safeguard Your Home & Business from a Hurricane

Fulcro provides you with this list of precautions & tips on how to safeguard your home in case a hurricane strikes.

Hurricane Safety Checklist

Fulcro & the American Red Cross provide you with this Hurricane Safety Checklist for you & your loved ones.

Tips on Preparing an Emergency Supply Kit or Backpack

Make two supply kits and remember to renew them every six months.

How to Prepare for an Earthquake

Preparation has three phases: Before, During, and After the earthquake.

Humor Month: How Laughter Impacts Your Well-being

Exploring the Therapeutic Power of Laughter. Humor is a wonderful remedy that alleviates life’s burdens, and its benefits go far beyond simply putting a smile on our faces. This month, we’ll delve into the fascinating world of humor and its impact on our health and well-being. The Best Medicine They say laughter is the best […]

Observing Nutrition and Colorectal Cancer Awareness Month

Recognizing the importance of healthy eating. March is designated as National Nutrition Month by the Academy of Nutrition and Dietetics. Furthermore, it is also observed as Colorectal Cancer Awareness Month. Given the significance of these topics, in this article we’ll explore how adopting healthy eating habits can be instrumental in preventing diseases, particularly colon and […]

Observing Cardiovascular Health Awareness Month

Promoting a healthy heart at all ages. This month is dedicated to cardiovascular health, recognizing the importance of maintaining lifestyles that contribute to better health. While much emphasis is placed on the cardiovascular health of women this month, it’s essential to remember that everyone is at risk of heart diseases. The reality is that heart […]

Nutrition during the holiday season

Recognizing the challenges and opportunities for a healthy holiday season. Every year, we are faced with one of the biggest challenges, maintaining a healthy diet and managing our weight during the holidays and end of year. Therefore, in this edition we are dedicating a few minutes to present some alternatives and advice so you can […]

Diabetes Awareness Month

Every November, Diabetes Awareness Month is commemorated and every November 14th the World Health Organization (WHO) celebrates Diabetes Day with the intention of educating and making visible the opportunities we have to prevent, diagnose and treat diabetes. This condition can affect anyone, therefore, it is important to know what it is and how it can […]

Breast Cancer Awareness Month

According to the American Cancer Society, breast cancer is the most common cancer among women in the United States, after skin cancer. Statistically, there is a chance that 1 in 8 women will develop cancer at some point in their lives. The data demonstrate the importance of raising awareness about this issue, prioritizing your health, […]

Prostate Cancer Awareness Month

According to the American Cancer Society, prostate cancer is the type of cancer that most affects men, after skin cancer. The National Cancer Institute indicates that prostate cancer is the second leading cause of cancer death in men in the United States. In addition, it is estimated that more than 200,000 new cases and more […]

Unlocking the Power of Worksite Benefits: Enhancing Employee Well-being and Productivity

These benefits go beyond traditional healthcare and retirement plans.

Fulcro People: Innovative Human Resources Services 

We joined forces with the consulting firm Retention Strategies to expand and solidify Fulcro People as an innovative Benefits practice. 

Maternity Lactation Month

Promoting healthy infant diet. Babies and toddlers need a good start. For this reason, during August we celebrate Maternity Lactation Month. By definition, lactation is the process of breastfeeding or feeding breast milk to an infant. According to the Pan American Health Organization (PAHO), a poor diet during the early stages of life can cause […]

National UV Protection Month

July is one of the months with the highest heat index, which motivates many people to have as much fun under the sun as possible; whether it’s a trip to the beach or any other outdoor activities. However, prolonged exposure to the sun can present some health risks. According to the American Cancer Society, most […]

June is Men’s Health Month

It’s Men’s Health Month! We encourage young folks and adults to take a few minutes of your time to learn more about how to live a healthy and more productive life. Taking care of your health can lead to feeling better and practicing a more active lifestyle. Take notes! According to the Centers for Disease […]

Skin Cancer Prevention and Awareness Month

During the month of May, skin cancer prevention and awareness is celebrated with the goal of educating the population on the importance of skin care. According to the National Cancer Institute and the Centers for Disease Control and Prevention (CDC), skin cancer is the most common type of cancer in the United States. Each year, […]

April is Cancer Prevention and Control Month

April is cancer prevention and control month. For this reason, Fulcro joins this campaign to carry on the message of prevention and taking action. According to the Centers for Disease Control and Prevention (CDC), in 2019 alone, the United States reported 1,752,735 new cases of cancer and 599,589 people lost their lives due to this […]

March is National Nutrition Month!

Learn tips for a more nutritious lifestyle to support better mental health & a stronger immune system!

February is American Heart Month

Learn more about the importance of having an active and healthy heart!

January is Cervical Cancer Awareness Month

Learn more about prostate cancer, its symptoms, risks, and if you should get tested.

Diabetes Awareness & Prevention Tips

If you or someone you know is living with diabetes, click here to find prevention tips, resources & support.

Breast Cancer Awareness & Prevention Tips

Think pink! This October, support the fight against breast cancer by learning about it & getting yourself checked out.

Suicide Awareness, Prevention & Resources

Let’s help stop suicide with awareness, understanding, and creating hope through action.

September is Prostate Cancer Awareness Month: Spread the word

Learn more about prostate cancer, its symptoms, the risks, and if you should get tested.

August is National Immunization Awareness Month

Learn the facts about which vaccines are right for you & your loved ones to protect against vaccine-preventable diseases.

June is National Men’s Health Month

Encourage the men in your life to get their annual exams!

This May, get moving for Physical Fitness & Sports Month!

Daily physical activity is one of the most important things you can do for your overall health.

Autism Acceptance Month

Be the change you want to see in the world by learning and raising Autism awareness. 

Learn Ways to Stay Active & Better Your Quality of Life

It doesn’t take a rocket scientist to know how much physical activity can make you feel better, function better, and sleep better.

Tips on How to Protect Your Skin From UV Radiation

Are you protecting yourself from potential risks associated with exposure to UV rays?

9 Important Facts About the COVID-19 Vaccination Program in the United States

We share 9 things to know about the new COVID-19 vaccination program in the U.S.

Daily Life & Coping with Stress in the Time of a Pandemic

It goes without saying that the outbreak of coronavirus disease COVID-19 may be causing most people a lot of stress in a time of uncertainty.

Tips on How to Disconnect & Relieve Stress

Let’s take a moment to understand the difference between good and bad stress so that we may live more healthy and happy lives.

Tips for Men on how to Live a Healthier Lifestyle

June is Men’s Health Month and we’d like to help raise awareness about how men can live healthier

How to Live a More Nutritious Lifestyle

National Nutrition Month® is an annual campaign created by the Academy of Nutrition and Dietetics

Coping With the After Effects of a Natural Disaster

There is no doubt that after a natural disaster everyone is affected emotionally

Thyroid Disease Awareness

You might be asking, what exactly is the thyroid? The thyroid is a small gland responsible

Use of Face Coverings to Help Slow the Spread of COVID-19

CDC recommends wearing cloth face coverings in public settings where other social distancing

4 Tips For Balanced Nutrition

Reaching and maintaining a healthier diet contributes to your overall health and well-being. Here are some tips to get you started.

What you Should know About the Coronavirus

In recent days, the emergence of the novel Coronavirus in China has taken over much of the

The Connection Between Diabetes & Cardiovascular Health

Managing your diabetes can also help lower your chances of having a heart disease.

Three Ways to Prevent & Detect Breast Cancer

Breast cancer prevention starts with healthy habits. Also, learn the signs and symptoms.

Unlocking the Power of Worksite Benefits: Enhancing Employee Well-being and Productivity

These benefits go beyond traditional healthcare and retirement plans.

How Fulcro’s team became known as “Insurance Nerds”

What drives Fulcro’s team is their passion to continue learning and expanding their knowledge of the insurance industry in order to offer the most comprehensive and quality services to their clients.

How Inflation Factors are Impacting Your Insurance Prices

Learn more about the current inflation factors affecting the price of your homeowners & auto insurance. Contact your agent to review your policy to ensure you have the right plan for your particular circumstances. 

Home Insurance Prices are Increasing Faster Than the Inflation Rate

Within this last year, 90% of homeowners witnessed their yearly premium increase by an average of $134, which averages to 12.1% when compared to a year ago.

U.S Health Insurance Costs are Rising at Shocking Rates

As the price of insurance premiums rise, Fulcro is here to help you navigate through all of the uncertainties.

40 Years of a Unique Approach to Insurance & their own Nerds Academy

We've expanded to the U.S., exported services & have presented cutting-edge solutions for our clients.

Meet Janyra Pérez-Blanco: Partner, COO & President of Fulcro U.S.

Janyra is a Licensed Property and Casualty Agent, who always puts the interests of her clients first.

Meet Fulcro’s Daring Woman Co-Founder

Rosita's life and service inspired women in the insurance industry.

Fulcro Celebrates What it Means to be a Hispanic-owned & Operated Company

Founded in 1981, Fulcro is proud to be a 100% Hispanic-owned and operated business.

Fulcro Insurance Strengthens its Operations in the U.S.

The Hispanic insurance brokerage firm advancing steadily.

Fulcro Insurance Names New Executives

Since its founding, Fulcro goes all in with a female workforce in an industry dominated mainly by men.