Adam Puharic is president and chief risk manager at Puharic and Associates, Inc., a professional risk management and insurance firm.  Puharic focuses on concierge-style risk management to provide 360-degree protection for business owners by combining all insurance coverages under one roof. By creating a 3-dimensional risk profile of the business owners’ risks, from cyber to employee benefits to personal risks, Puharic and Associates helps business owners grow by creating a step-by-step plan for their protection that evolves with them. For more information, please visit PuharicAssociates.com.