Atlanta, Georgia Est. 1981
A lever moves a load far heavier than the hand that pushes it, provided the fulcrum sits in the right place. That is the whole job of a construction broker, and it is the name over our door. We place the coverage and the bonds that let a Georgia contractor carry work larger than its own balance sheet.
Balanced
Drag the fulcrum, or use the slider and arrow keys. Move it toward the project and a modest contractor balances a far larger job. That shift is what a broker is for.
What We Place
A general contractor does not buy insurance. It buys the ability to sign a contract, mobilize on Monday, and hand an owner a certificate that survives review. We build the program around that sequence, then hold it together when the schedule changes.
Primary Line
The policy every owner, lender and GC reads before you are allowed on site. We negotiate the endorsements that decide whether it holds: additional insured on a blanket basis, primary and non-contributory wording, waiver of subrogation, and completed operations that stay live through the statute of repose.
Class codes audited against what your crews actually do, experience modification reviewed before it costs you a bid, and a return to work plan that keeps the mod from compounding year over year.
Course of construction cover sized to hard costs, with soft cost and delay in start-up extensions where the lender requires them. Written per project or on a reporting form for contractors running several jobs at once.
Fleet, hired and non-owned liability for trucks that move between sites, plus inland marine on the equipment that rides with them. Rented and leased machinery scheduled or blanketed as the work demands.
The limits your contracts require, stacked above a primary tower we already control, so the follow form actually follows and there is no gap between layers when a claim tests it.
Yard, shop, office and stored materials, written on a package where it makes sense to consolidate and separately where a monoline gets you better terms.
Contractors professional and pollution cover for design-build work, plus management liability and cyber for the office behind the jobsite.
Surety Bonding
Surety companies are not pricing a risk of loss. They are extending your firm a line of credit and expecting to be repaid if they pay a claim. That is why the paperwork looks like a bank's, and why a broker who understands a WIP schedule gets you more capacity than one who does not.
STEP 01
Reviewed or audited financials, a work-in-progress schedule, an aging of receivables and payables, a personal financial statement from the owners, and a bank line the surety can verify. We tell you what is missing before an underwriter tells us.
STEP 02
The surety approves a largest-single-job number and a total backlog number. Both come off your working capital and net worth, so we structure the submission to present those figures at their strongest defensible reading.
STEP 03
Bid bonds when you chase the work, performance and payment bonds when you win it. Public work in Georgia falls under the Little Miller Act, so on state and local projects the bond requirement is statutory rather than negotiable.
STEP 04
Capacity is not fixed. Clean job-cost reporting, retained earnings left in the company, and a surety who has watched you close jobs at or above the estimate all move the number up. We manage that relationship year over year.
Who We Insure
Fulcro is one of the few brokers dedicated to the needs of the construction industry. We work with contractors, suppliers, construction managers, architects, engineers and developers, on bonded and insured projects of every type, from residential and industrial through to infrastructure.
The Firm
Fulcro Insurance is a Hispanic owned and operated brokerage founded in 1981, with offices in Puerto Rico, Florida, Georgia and the Dominican Republic. The Georgia office works out of Perimeter Center in Atlanta and serves contractors across the state.
We are committed to making insurance understandable, secure and honest. In practice that means telling a contractor when a policy will not do what a contract requires, walking a project manager through a certificate request the same day it arrives, and being reachable when a claim comes in rather than a week later. Every desk here works in English and Spanish.
AtlantaGeorgia
San JuanPuerto Rico
FloridaUnited States
Santo DomingoDominican Republic
Contact
Bidding something that needs a bond, or a certificate an owner keeps rejecting? Call the office or send the details. If it is urgent, the phone is faster than the form.
Telephone
Toll Free
Fax
404.875.2987
Hours
Monday to Friday, 8:30 AM to 5:00 PM
Closed Saturday & Sunday. Appointments available.
Languages
English and Spanish. Se habla español.
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