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About Us

At Emilio A. Villaverde Insurance Broker we are proud to be an Independent Insurance Brokerage Firm with decades of experience providing affordable insurance products specializing in automobile, homeowners and commercial property and liability insurance. We understand that extraordinary service is always a priority, that’s why we are 100% dedicated to providing outstanding customer service. We work for our clients and will always advice the best policies suited for them. We can insure homes anywhere in Puerto Rico, including high value ocean front homes, condos, and renters insurance. We can also assist with personal umbrella solutions that provide coverage beyond the general homeowner’s policy. Our experienced, professional team stands ready to assist you with affordable coverage and low rate quotes.

Emilio A. Villaverde, President

Work Experience

In 1975 Mr. Villaverde has 42 years of experience in the insurance industry. He worked as a life insurance agent for Transamerica Occidental Life and then joined National Life Insurance Company, a subsidiary of Carlos M. Benítez, Inc. as Assistant Group Manager with supervisory roles as well as underwriting major accounts for Long and Short Term Disability, Life and Accident, Bids for Governmental Agencies and/or Municipalities.

From 1980-1982 Mr. Villaverde was Partner – Benjamín Hernández Corp - Produced and serviced employee benefits programs as well as commercial insurances for major international accounts such as:

  • Squibb

  • Lifesavers

  • Roche

  • Alcon Laboratories

In 1982 Mr. Villaverde joined Saldaña & Associates, Inc., as account manager principally engaged in major property & casualty commercial and risk management accounts.

In 1987 Mr. Villaverde moved forward to Marsh & McLennan Inc., worldwide leaders & largest insurance brokerage firm. Became
Corporate Vice-President of Marsh & McLennan Inc., Director of Marsh & McLennan of P.R. Inc., and Manager of the Branch Operations in San Juan. Enrolled in numerous seminars and trainings provided by their education division. Served major accounts such as:

  • Puerto Rico Highway Authority

  • Puerto Rico Aqueduct & Sewers Authority

  • Burger King – Caribbean Restaurants

  • Holsum

  • AT & T

  • Brinks

  • Chase Manhattan Bank

  • Ford Motor Corp.

  • Avis Rent a Car

  • Empresas Díaz, Inc.

In 1991 Mr. Villaverde Began as an independent Insurance & Surplus Lines Broker, specialized in providing a complete scope of insurance services for major business and special personal accounts including and not limited to:

  • Commercial Property & Casualty

  • Auto Fleets

  • Ocean & Inland Marine Cargo

  • Bonds

  • Specialty Lines

  • Employee Benefits

  • Risk Management/Loss Control

From 1995 to 2014, we have successfully served government accounts after being selected by the Department of Treasury of Puerto Rico as one of the insurance brokerage firms.


  • Departamento de Hacienda

  • Lotería Electrónica de Puerto Rico

  • Lotería Tradicional de Puerto Rico

  • Instituto de Cultura Puertorriqueña

  • Puerto Rico Aqueducts & Sewers (PRASA)

  • Autoridad de Carreteras

  • Autoridad Metropolitana de Autobuses

  • Departamento de Transportación y Obras Públicas

  • Metrobus II

  • ASES

  • Cuerpo de Bomberos

  • Municipios de P.R.

  • Junta de Gobierno Servicio 911

  • Agencia Estatal de Emergencias Médicas

  • Instituto de Ciencias Forenses

  • Instituto de Cultura Puertorriqueña

  • Junta de Retiro Para Maestros

  • Departamento de la Vivienda

  • Departamento del Trabajo

  • Administración de Derecho al Trabajo

  • Oficina de Gerencia y Presupuesto

  • Administración de Sistemas de Retiro

  • Junta de Libertad Condicional

  • Panel Sobre el Fiscal Especial Independiente

  • Sistema Retiro Maestros Para Maestros

Major Losses Settled

Hurricane Hugo:

  • P.R.A.S.A.

  • Warner Lambert

  • Plavika Auto Center

  • Burger King


Hurricane Marilyn:
Instituto de Cultura Puertorriqueña

Hurricane Georges:

  • Condominio Playa Azul II

  • Condominio Lagomar

  • Condominio Caribbean Towers

  • Instituto de Cultura Puertorriqueña



  • Almacenes Pitusa, Inc.

  • Clubman, Inc.

  • Dupont Plaza

$   8,151,385.

$ 2,000,000.

$ 2,000,000.

$  1,500,000.



$    450,000.



$ 2,000,000.

$ 1,000,000.

$.   500,000.

$.   300,000.




$ 1,000,000.

$    500,000.

$ 2,000,000.

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