MAPFRE Puerto Rico
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
MAPFRE Puerto Rico’s verified public-facing business property guidance is product-oriented rather than a formal broker appetite bulletin. Current published materials position Commercial Property as part of its Property and Contingency offering for Puerto Rico businesses, with a broad commercial package / multiline form marketed as adaptable to many business types and able to combine property, general liability, inland marine, equipment-related protections, transportation-related coverages, and business income elements under one policy. A specifically described preferred segment is the Commercial Dwelling program for businesses operating out of former residential structures: eligible risks must be non-manufacturing occupancies, not apartments or dwellings rented to others, in fully concrete construction, and 1-4 stories. MAPFRE explicitly highlights offices, restaurants, gift shops, boutiques, medical offices, retail stores, pharmacies, and beauty salons as businesses that fit or benefit from this program. Restricted / effectively ineligible business noted in the published guidance includes manufacturing for the Commercial Dwelling program, apartment or dwelling rental exposures under that program, non-concrete structures, and buildings above 4 stories. Geography is clearly Puerto Rico-focused, with service references to metro and island contact numbers, island-wide branch and office network access, and Puerto Rico-based property / contingency contact details. Submission / service expectations published by MAPFRE include contacting an authorized representative, producer, or general agency; using branch offices; or calling the MAPFRE Contact Center. Public self-service quoting appears available online for selected products, but the site does not publish a detailed commercial property broker submission checklist or underwriting data requirement list on the verified pages reviewed. Broker / producer notes: MAPFRE repeatedly directs business through authorized representatives, producers, and general agencies; maintains an Office Network and Agents Portal; and states policy changes can be requested through the producer/general agency or Contact Center, but changes are only effective once MAPFRE confirms them by mail or email and any additional premium is paid. Operational contacts published for Property and Contingency are 787-250-5214, toll-free 1-888-835-3634, fax 787-772-8409, and telemapfre@mapfrepr.com. No formal public appetite guide, class-by-class decline list, or broker-only underwriting manual was verified on the official site pages reviewed.