Insurance brokers · San Juan, Puerto Rico
Built to protect when risk becomes reality.
We design commercial insurance and employee benefits programs around each client's real risks. We combine analysis, experience, and hands-on support—from program design through claims.
Two practices · one firm
Two specialties. One integrated view of risk.
We bring commercial insurance and employee benefits together under one firm, with specialists in each practice and a coordinated view of business needs.
What keeps your business going
A business has to keep running, whatever hits it — a storm, an earthquake, fire, theft, vandalism, a liability claim. We design coverage that keeps it running, not just insured.
- 01Commercial Insurance
- 02Bonds
- 03Claims
- 04Risk Management
Benefits that work when your people need them
Strategy, design and negotiation — backed by ongoing analysis and support when your people actually need it.
- 01Group medical and dental plans
- 02Life, short- and long-term disability
- 03Retirement and voluntary benefits
- 04Compliance, ACA and employee communication
How we work
Our work goes beyond a quote.
Know your client
We learn the business — what it does, what it owns, what keeps it running.
Identify the risk
We identify exposures that could affect your organization's continuity, assets, and people.
Analyze the risk
We determine how probable those identified exposures are, and the impact they could have on your business.
Treat the risk
We select and implement the most appropriate techniques to handle the exposures your business has.
Monitor and review
Risk evolves with the business. We review programs as operations, locations, values, and workforce needs change to keep coverage aligned with the client's reality.
The firm
ARCEM: an identity rooted in strength and protection.
Inspired by the idea of a citadel and El Morro's enduring presence, we make protection, vigilance, and long-term commitment central to our work.
our partners bring
over the course of their careers
of our partners' careers