About Us

360 Risk Solutions is more than just an insurance firm. We are a team of professionals who are passionate about delivering value to our clients and committed to maximizing the use of your risk dollars. We do this by offering the most comprehensive solutions, carefully designed to fit your specific needs. Our approach is built on efficiency and agility, allowing us to deliver consistent results that you can rely on.

360 Risk Solutions About Us Cover

Your 360 Risk Solutions Team

What ultimately differentiates one insurance broker from another is the quality of their team members – their expertise, ability to listen, understand your needs and to leverage the strengths of the organization to consistently deliver value to you.​

Our team is comprised of highly committed personnel who have vast experience managing Insurance and Risk Management programs for our clients, adhering to the highest ethical standards, and committed to offering an unparalleled level of transparency.

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360 Risk Solutions President

Enrique R. Padial

President

Enrique R. Padial

President

Founding partner of 360 Risk Solutions. More than 17 years of experience in the Insurance Industry. Prior to co-establishing 360, Enrique was Vice President of Marsh Saldaña’s Risk Management Department, acting as Account manager for five of the eight largest clients in Marsh Saldaña’s portfolio. Previously to his tenure in Marsh, Enrique held various management positions with International Insurance Company, American International Group. The highest position he held there, was Commercial Lines VP for Puerto Rico and the Caribbean. Enrique holds a Law degree from the University of Puerto Rico, an MBA – Insurance and Risk Management from The College of Insurance in New York and a BBA in Economics and Finance from Bentley University in Massachusetts.

360 Risk Solutions Vice-President

Vanessa I. Pereles

CIC, CISR, Vice-President

Vanessa I. Pereles

CIC, CISR, Vice-President

Founding partner of 360 Risk Solutions.  More than 20 years of experience in the Insurance Industry.  Prior to co-establishing 360, Vanessa was Associate Client Executive in Marsh Saldaña’s Risk Management Department, assisting the Account manager for five of the eight largest clients in Marsh Saldaña’s portfolio.  Previously to joining  Marsh, Vanessa worked 13 years as Senior Underwriter at Triple S Propiedad where she was responsible for new clients that fell under there Large Lines division.   Vanessa holds a BS in Technology and Office Systems from The Interamerican University in San Juan, PR and she holds various Commercial Insurance and Risk Management designations.

Enrique R. Padial

President

Javier J. Berrios Reilova

Vice-President

More than 10 years of experience in the Insurance Industry. Prior to Joining 360 in 2024, Javier was an Assistant Vice President of Marsh Saldaña’s corporate & sales department, acting as sale professional & client executive for 8 years. Javier holds BS in entrepreneurship with and MBA in International Marketing and a minor degree in public relations from the University Sagrado Corazón of Puerto Rico.

Your team of professionals:

Carlos Guardia Mendizabal

Business Development

Minerva Rivera Ortiz

IIA, Commercial Lines Executive

Brenda Muñíz

Commercial Lines Executive

Brenda Archilla

Personal Lines and Surety

Cecile Colón Sosa

Claims Representative

partnership

Our 'Engage the Triangle' model seeks a long-term partnership between our clients, their Insurance Carriers and 360.

This alliance will promote a healthy give and take where all parties will benefit in the long run. We are proud to have excellent relationships and access to the following Insurance Carriers:

  • CHUBB Insurance
  • AIG
  • Triple S Propiedad
  • MAPFRE
  • United Surety
  • Berkley
  • Allianz
  • Optima
  • Liberty International
  • C N A
  • One Alliance
  • Travelers
  • Aspen American
  • SIMED
  • Starr Companies
  • Puerto Rico Medical Defense
  • Universal Insurance
  • Multinational Insurance
  • Guardian Insurance
  • Antilles Insurance
  • International Markets
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