All Posts

Life changes all year long, but most people only think about insurance when a bill or a claim arrives. The weeks before January 1 are a good time to catch up. For families New or replaced vehicles: make sure every car is listed and the right drivers are assigned. New drivers at home: a new teen driver, or a college student home for the holidays, needs to be on the policy. Home improvements: a new kitchen, finished basement or new roof can raise what it would cost to rebuild.

Slip-and-fall injuries are one of the most common general liability claims a business sees, and winter is when they spike. A customer slips on an icy walkway, a delivery driver falls on the loading dock, a visitor goes down in a wet entryway. Medical bills and legal costs add up fast, and a single claim can follow your account through several renewals. If you hire someone to plow or salt Get a written contract. It should say when they come out (for example, at two inches of s

Plenty of our clients split the year, spending the cold months in Florida or the Carolinas and the warm ones here at the Jersey Shore. It is a great way to live. It also creates one of the most expensive surprises in homeowners insurance: the empty house in January. The frozen pipe problem When the heat drops and a pipe freezes, it can split. In a home where someone lives, it gets noticed in an hour. In an empty home, water can run for days. Industry figures put the average f

Every fall, millions of people let their health coverage renew without looking at it. The paperwork is confusing, and last year's plan worked fine. But this year, simply renewing could cost a lot of families more than it needs to. The two windows that are open right now Medicare Annual Enrollment: October 15 through December 7, 2026. Changes take effect January 1, 2027. This is the time to switch Medicare Advantage or Part D drug plans, or move between Original Medicare and M

For four straight years, almost every renewal conversation we had started the same way: "Why is it up again?" Inflation, rebuilding costs, severe weather and larger lawsuit awards all pushed prices higher, and carriers passed it along. In January we shared the outlook for 2026, and the hope was "stabilization." Heading into 2027, the picture is better still. The large national brokers' fall market reports point the same direction: the market is easing for buyers in most lines

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