Products and expertise

Available through our vast insurance experience team specially Antonio Maldonado Arroyo who has been in the insurance business for the past 34 years.

Our services

Property Insurance

A policy that provides financial reimbursement to the owner or renter of a structure and its contents, in the event of damage or theft. Property insurance either Commercial or Personal; can include homeowners insurance, renters insurance, flood insurance and earthquake insurance.

Business Interruption Insurance

Also known as business income insurance, is a type of insurance that covers the loss of income that a business suffers after a disaster. The income loss covered may be due to disaster-related closing of the business facility or due to the rebuilding process after a disaster.

Catastrophe Excess of Loss Reinsurance

Protects the insurance company against an accumulation of losses due to single events such as major natural or human-made disasters.

Buyback Deductible

An insurance contract provision that allows an insured party to pay a higher premium in order to reduce or eliminate the deductible that the insured would have to pay if a claim is made.

Builder's Risk Insurance

Coverage that protects a person's or organization's insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause.

General Liability Insurance

Policy that provides coverage to a business for bodily injury, personal injury, and property damage caused by the business' operations, products, or injury that occurs on the business' premises.

Umbrella Liability

Is extra liability insurance. It is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. It does this in two ways: Provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies.

Auto Liability

Is a protection for a driver who, while operating a vehicle, harms someone else or their property. Automobile liability insurance only covers injuries or damages to third parties and their property, not to the driver or the driver's property.

Owner Controlled Insurance

Is an insurance policy held by a property owner during the construction or renovation of a property, which is typically designed to cover virtually all liability and loss arising from the construction project (subject to the usual exclusions).

Surety Bond

Is defined as a contract among at least three parties: the obligee: the party who is the recipient of an obligation. the principal: the primary party who will perform the contractual obligation. the surety: who assures the obligee that the principal can perform the task.

Ocean Marine Coverage

Insurance covering the transportation of goods and/or merchandise by vessels crossing both foreign and domestic waters including any inland or aviation transit associated with the shipment.

Aviation Insurance

Insurance against claims and losses arising from the ownership, maintenance, or use of aircraft, hangars, or airports including damage to aircraft, personal injury, and property damage.

Directors & Officers

A type of liability insurance covering directors and officers for claims made against them while serving on a board of directors and/or as an officer. D&O liability insurance can be written to cover the directors and officers of for-profit businesses, privately held firms, not-for-profit organizations, and educational institutions. In effect, the policies function as "management errors and omissions liability insurance," covering claims resulting from managerial decisions that have adverse financial consequences.

Employment Practices Liability

A type of liability insurance covering wrongful acts arising from the employment process. The most frequent types of claims covered under such policies include: wrongful termination, discrimination, sexual harassment, and retaliation.

Loss Control

Is a risk management technique that seeks to reduce the possibility that a loss will occur and reduce the severity of those that do occur. A loss control program should help policyholders reduce claims, and insurance companies reduce losses through safety and risk management information and services.

Technological capabilities

Risk Management- A. Maldonado & Associates, Inc. as a responsible corporation has the compromise to provide loss control services to our Insured’s by enforcement of the Risk Management Process:


Perform physical inspection of premises in order to evaluate the exposures and controls that could results in a loss.  Incidents and Claim reports.


Analyze the potential impact that a loss could have in the Insured’s operation. Give special attention to the loss frequency and severity.


Perform workshops relating to security with the different Insured’s department that has loss frequency and/or high exposure. In these workshops we bring personnel from our Loss Control and Claims Department.


Establish methods in order to avoid, reduce and/or minimize the effects of a loss.  Discuss with the Insured the Recommendations made by the Insurance Company’s Inspector; including deficiencies and hazards found throughout the physical and visual inspection made.


Through the analysis of loss experience and continuous visits to all the premises.

Monthly and quarterly Loss Reports.

Insurance Renewal And Marketing Your Renewal Process Will Include

Marketing, Placement and Service Guidelines

Individual and personal assistance

Individual and personal assistance to our Insured by visiting the facilities to introduce the professional skills and gather information needed.

Identify the Insurance Companies

Request insurance quotes, terms and conditions.


Individual and personal assistance to our Insured by visiting the facilities to introduce the professional skills and gather information needed.


Prepare and Insurance Proposal summarizing the alternatives quoted.

Discuss the Insurance

Discuss the Insurance Proposal with the Insured and submit the changes in risk.

Final recommendations

Make Final recommendations through a final Insurance Proposal.

Place the order

Place the order to ensure policies, riders, evidence of Insurance and/or any other related document to be delivered on timely basis.


Loss Control process assistance

  • Procedure design according the Insured’s needs.
  • Establish agreements for claims management (frequency / severity and catastrophic).
  • Coordinate and assist through Insured’s claims stages.
  • Coordinate in claims transmittal including our personnel, insured’s and the insurance company.
  • Meetings as many as necessary in order to maintain and improve procedures, (risk and claims management.
  • Quarterly meetings providing.
  • Loss and risk evaluations.
  • Loss mitigation according to frequency and severity

At the event of a Claim; we will

  • Fast process your Claim
  • Coordinate visits of loss adjusters
  • Attend claim review meetings
  • Assist customer in loss adjustment
  • Review denied claims for correct coverage applications

Remember To Provide The Following Documents And Information To File A Claim

  1. Claim document completed and signed
  2. Invoices or estimates of replacement or repairs required
  3. Photos of property damage
  4. Photos before the property was damaged
  5. Report written by expert that has or will repair the property
  6. Evidence of materials and labor expense if property will be repaired with internal resources
  7. To support loss of income and/or additional expenses, bank statements, invoices, receipts and cancelled checks are required Any other document or information may be requested by the Insurance company or agent.

Meet the team

Learn more about us and our team.

About us

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