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Since the economy-wide inflation of 2021, auto insurance has become the proverbial four letter word for household and small business budget conversations. Everyone has called our agency over these past four years looking for ways to reduce their auto insurance premiums. And while the economy is improving and inflation has stabilized, much of the price increase is now “baked into the cake” and prices do not go down from here. So, in an attempt to help our customers to NOT hurt

If you run a business, summer probably means busier operations, more foot traffic, and for a lot of our commercial clients, things like outdoor events, patios, pop-ups, and seasonal staff. All of that is good for business. It also creates risks that your standard policy may not be set up to handle. Here's what we see come up most often this time of year. Outdoor events and expanded premises. If you're running a tent event, hosting a customer appreciation day, operating a pop-

Here's something most business owners don't think about: summer is one of the riskiest times of year for a cyber incident. Your IT contacts are on vacation. Staff coverage is thin. Response times slow down. And while your guard is down, the people trying to get into your systems aren't taking July off. Ransomware, business email compromise, and data breaches don't respect the calendar. What they do respond to is opportunity, and a business running with reduced oversight and d

School's out, and for a lot of families in our area, that means a teenager is suddenly putting a lot more miles on the family car. Summer is statistically the most dangerous time of year for teen drivers, with June, July, and August consistently ranking as the deadliest months for young people on the road. It's not just their driving, either. It's everyone else's. More people are out, roads are busier, and judgment errors happen at higher speeds. If you've got a teen driver a

Entrepreneurs who step forward with their American dreams and launch their own engineering firm, environmental services or contracting, surveying or architecture endeavors often spend their time going over the operational plans in great detail. They invest their energies in reading the fine-print on landlord leases, software licensing agreements, office furniture contracts, and payroll vendors. Yet somehow, when it comes to business insurance, the forward-thinking startups r

Every year we have this conversation with clients after a storm. It doesn't have to go that way. Summer in Southern Monmouth and Ocean County means beautiful weather, busy weekends on the water, and one other thing: flood season. Whether it's a nor'easter, a tropical system, or a slow-moving rain event that just won't quit, this part of New Jersey sees flood damage regularly. And the coverage gap that catches most homeowners off guard is a simple one: your standard homeowners

Since the economy-wide inflation of 2021, auto insurance has become the proverbial four-letter word for household and small business budget conversations. Everyone has called our agency over these past four years looking for ways to reduce their auto insurance premiums. And while the economy is improving and inflation has stabilized, much of the price increase is now “baked into the cake” and prices do not go down from here. So, in an attempt to help our customers to NOT hurt

By Puharic & Associates, Inc. As the new year begins, many individuals and business owners take time to get their financial house in order. Billing processes are reviewed, expenses are scrutinized, and systems are adjusted to create a cleaner, more predictable year ahead. For many, this comes after several years of stretched budgets due to persistent inflation and rising costs across nearly every category. One area that deserves special attention—but is often misunderstood—is