Puharic and Associates, Inc.
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Puharic and Associates, Inc.

Independent Insurance Agent in Manasquan, NJ

About us

Insurance and Risk Managers

Puharic & Associates is a full service, concierge-style insurance agency designed for clients seeking a sole remedy insurance solution for Business, Home, Auto, Health, Flood and more - all while providing professional one-on-one customer service. Not a website, not an 800 number. Real, caring insurance professionals who are ready to help you today.

As such, Puharic and Associates, Inc. seeks to differentiate services by focusing on the client experience, client education, and risk management practices that benefit business owners and upwardly mobile persons.

Personal and Commercial Lines insurance experts

Ask me about these types of insurance...

An independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.

Get multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.

If a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.

An independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.

Bakery insurance is designed to protect your small business from potential hazards that can lead to serious financial loss. Talk to an independent agent.

Our independent insurance agents can help you find the right coverage for your daycare at the right price.

Why choose Puharic and Associates, Inc.

States we serve

  • New Jersey

Our insurance coverages

Personal insurance coverage

  • Automobile
  • Boat
  • Builders Risk / Construction
  • Collectible Auto
  • Condo
  • Flood
  • Health
  • Home
  • Landlord
  • Motorcycle
  • Other
  • Personal Watercraft
  • Pet
  • Special Event
  • Travel Trailer
  • Umbrella
  • Vacant Land
  • Valuable Items

Business insurance coverage

  • Builders Risk
  • Business Owners Package (BOP)
  • Business Vehicle
  • Contractors Equipment
  • Cyber Liability
  • Employment Practices Liability
  • Errors & Omissions
  • General Liability
  • Inland Marine
  • Other
  • Professional Liability
  • Property
  • Umbrella / Excess
  • Workers' Compensation

Life & Annuties coverage

  • Life

Industries we serve

  • Administrative and Support and Waste Management and Remediation Services
  • Agriculture, Forestry, Fishing and Hunting
  • Arts, Entertainment, and Recreation
  • Educational Services
  • Finance and Insurance
  • Health Care and Social Assistance
  • Information
  • Management of Companies and Enterprises
  • Manufacturing - Food / Beverage / Textiles / Apparel / Leather
  • Manufacturing - Metal / Machinery / Computer / Electrical / Transportation / Furniture
  • Manufacturing - Wood / Paper / Paper / Mining / Plastics
  • Professional, Scientific, and Technical Services
  • Real Estate and Rental and Leasing
  • Retail - Sporting Goods / Hobby / Music / General / Misc.
  • Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
  • Wholesale Trade

Recommended insurance company partners

Other companies we work with:

AXA XL, Admiral Insurance, Beazley Insurance Company, Berkshire Hathaway Insurance Company, Blue Cross Blue Shield, Chartis Property Casualty Company, Cumberland Mutual, Firemans Fund Ins, Franklin Mutual Insurance Company, Great American Insurance Company, Hagerty, K&K Insurance Group, Kinsale Insurance, Lexington Insurance Co, Lloyd's, Markel Specialty, Merchants Insurance Group, Penn National Insurance, Philadelphia Insurance Companies, QBE Insurance Corporation, Scottsdale Insurance Company, US Assure, United States Liab, Utica First Insurance Company, Utica National Insurance, Victor O. Schinnerer & Company, Wright Flood

Puharic and Associates, Inc. Team

Adam Puharic
Adam Puharic

Puharic and Associates, Inc. Reviews

Average based on 21 reviews Leave a review

Customer Reviews

August 8, 2022

Adam is wonderful! He has great advice and answers all questions!

August 3, 2022


July 6, 2022

Adam is hands on and involved in the daily operations. He also has a terrific support staff, which when dealing with a small business is the difference maker for Liberty Sales and Marketing. We look forward to a long term relationship. Thank you Puharic and Associates.

September 2, 2021

The Puharic & Associates team is caring, responsive, knowledgeable, and thorough. Rizco truly feels like it has gained an extended family through our partnership with Puharic and Associates, Inc. Our policy renewal process was timely and was not treated like an auto-pilot renewal. This is a team that I would refer extensively!

June 11, 2021

Professional, friendly and extremely knowledgeable

April 30, 2021

Very Professional and hard working for their clients. Always get back to you right away with information.

November 5, 2020

Adam is a leader when it comes to customer service. He is available with information and is always looking to get my business the best prices. Adam succeeds in this, and because of this I have used him as my broker for over 10 years, plus he is a nice guy!

November 5, 2020

I have worked with Adam Puharic for several years. He is an integral part of my business and truly has our best interest at heart. He is very experienced, responsive, and thoughtful with his opinions. Highly recommended.

November 5, 2020

Our family and business have been clients of Adamʼs for years. We were excited to hear he was opening his own firm. When you have a question, Adam takes the time to speak to you - itʼs amazing. His knowledge of the rules and regulations is outstanding. His business ethic makes him a real champion to the business community. Knowing he will ensure your business is appropriately covered is an understatement. He works tirelessly to find the right policy for your family and/or business. Most recently, one of our commercial vehicles was in an accident. Adam was calming and talked my father-in-law through the process. Without Adam, Iʼm not sure he would have had his injuries checked out at the local hospital. Thankfully he was fine but I am incredibly grateful for Adamʼs words to my father-in-law immediately following the accident.

November 5, 2020

I read an article about Puharic & Associates, Inc. in our local newspaper and was impressed by the principles & dedication to customer service the owner described, making insurance seem less a commodity and more an instrument that requires and deserves attention and constant service. A few months later, our current insurer raised rates AGAIN and decided to pull out of the NJ market a year from now. We decided we were not going to continue to give our business to an insurer abandoning our State. No thanks! I sent Puharic & Associates, Inc. an email and 8 days later, after a comprehensive analysis and communication stream completely on email (my preference, which I indicated), we decided to switch our homeowner's, umbrella liability and 3 auto policies to Puharic. Amazing responsiveness. We are saving over $3k in premiums from our former agency and insurance company. We are certain that if and when we need Puharic for claims servicing or annual analysis, they will provide the service we have witnessed these past 8 days. I highly recommend Adam and his team. The tone of a business is set at the top. Adam has done a great job creating an agency and hiring employees like Alison who understand how busy we are and appreciate that we need them to shop around for us, compare and analyze and then present us with the best product at the best price. I highly recommend them. Now I have to decide what to do with the $3,200 we won't be paying in premiums this next 12 months.


Puharic and Associates, Inc.

Insurance and Risk Managers