is a professional risk management and insurance firm in Manasquan NJ. Puharic focuses on concierge-style risk management to provide 360-degree protection for business owners and homeowners by combining all insurance coverages under one roof. By creating a 3-dimensional risk profile of the owners’ risks, from cyber to employee benefits to personal risks, Puharic and Associates helps protect clients by creating a step-by-step plan for their protection that evolves with them.