The firm
Arcem: the citadel — the part that does not give.
Where the name comes from
The origin of ARCEM.
ARCEM takes its name from the Latin arcem, associated with a citadel or fortress. El Morro's nearby presence inspires an identity grounded in protection, vigilance, strength, and endurance. These principles guide how we advise and support each client.
Our founding partners
Two practices, two founding partners.
Carlos A. Ruiz, CPCU, AU, ARe, AINS
Founding partner
Carlos A. Ruiz leads ARCEM's Property & Casualty practice, backed by more than twenty years of experience in commercial insurance and risk management. His experience covers the three main areas of the industry: claims, underwriting, and brokerage. His background spans catastrophe claims adjusting, complex risk underwriting, and the structuring of international programs for clients with operations across this side of the hemisphere. His approach combines technical rigor and strategic vision to design protection programs aligned with each client's operations, exposures, and objectives.
His approach begins with understanding each client's operations, exposures, and priorities to structure insurance solutions, negotiate appropriate terms, and provide ongoing guidance in managing risk.
Edgar Almodóvar
Founding partner
Edgar Almodóvar leads ARCEM's Employee Benefits practice, bringing more than two decades of insurance industry experience. His expertise includes benefits strategy, program design and funding, claims analytics, cost management, and carrier negotiations. He works closely with employers to develop benefits programs that balance financial performance, organizational priorities, and the needs of their workforce.
His approach begins with understanding employers' needs and workforce priorities, using data-driven insights to develop benefits strategies that balance employee protection, financial sustainability, and organizational objectives.
The principles behind our work