An independent agency isn't tied to one carrier. We have relationships with over 100 insurance companies, which means we can compare options across the market and recommend what actually fits your needs — not just what one provider sells. Captive agents (like those at State Farm or Allstate) can only offer their company's products.

We're an independent, concierge-style agency — meaning we work for you, not for any single insurance company. We shop dozens of carriers to find the right fit, assign you a dedicated local advisor, and do annual reviews to make sure your coverage keeps up with your life or business. You'll never be routed to a call center.

Yes — we have offices in New Jersey, Florida, and North Carolina and serve clients across all three states. Each location has local advisors who understand state-specific risks, regulations, and carrier options in your market.

We cover both personal and commercial lines. On the business side: general liability, professional liability, commercial property, workers compensation, cyber liability, commercial auto, and employee benefits. For personal: homeowners, auto, umbrella, and life insurance & planning. If you need it, we can find it.

You call us. We walk you through the process, communicate with the carrier on your behalf, and advocate to make sure your claim is handled fairly and quickly. That's what the 96% renewal rate reflects — clients who've seen us show up when it mattered.

Getting a quote is easy — either fill out our online form, call us at (732) 655-6200 or email info@puharicassociates.com. We start by understanding your situation before recommending coverage. We want to make sure you're actually protected, not just sold a policy.