Resources

December 17, 2024

“Spoofing” and “Social Engineering” are real and imminent threats to small and mid-sized business today.

By Adam Puharic, Puharic and Associates, Inc. In almost two decades of practicing insurance, there has never been a more common threat to business of every […]
December 17, 2024

Just What EXACTLY is Professional Liability Insurance?

By Adam Puharic, Puharic and Associates, Inc. Congratulations, you’ve started your new business and now we’re off to the races finding your American Dream.  Whether you […]
August 5, 2024

Common Sense Summer Storm Prep

Summer storms are a significant insurance risk regardless of which area of the country you live in. We don’t have the ability to stop damage caused […]
July 20, 2024

The New Jersey Association of Licensed Site Remediation Professionals (LSRPA) issued a statement on insurance exclusions regarding PFAS claims.

Recently, the New Jersey Association of Licensed Site Remediation Professionals (LSRPA) issued a statement on insurance exclusions regarding PFAS claims. According to Environmental Health news, Per- and […]
June 26, 2024

Water Leak Detectors are inexpensive and effective to reduce or mitigate water loss insurance claims

Recently, one of our carriers, the Andover Companies, posted a useful blog on the benefits of water leak detectors for buildings. Whether it is your home, […]
April 30, 2024

Another COVID IMPACT: Engineer Error and Environmental Pollution Claims continue to rise due to Social Inflation, Aging Infrastructure, Insurance Industry change.

Chalk up yet another long-term COVID impact upon our businesses and lives that will affect Engineers and Environmental Consultants through increases in Errors and Omissions insurance […]
April 30, 2024

Inflation, Storms, Social Inflation Drive Insurance Costs

Everywhere you go, neighbors and friends are talking about it: “Have you seen the increases in our insurance costs?” Yes, it’s true that costs are increasing […]
March 20, 2024

Why Do I Need A Risk Manager Versus A Regular Insurance Agent?

When shopping for an insurance agent, some things are much more important than the price of the premium. There are insurance salesmen, and there are risk […]
January 26, 2024

Everything You Need to Know About Preventing Frozen Pipes

January 22, 2024

How Significant Changes To Flood Insurance Will Have An Impact in 2024

  Sign Up For Our Free Newsletters For Revelent Articles, Educational Resources and Exclusive Access to Interactive Tools that benefit business owners and Local Homeowners! Yes, […]
July 24, 2023

The Risk Management Process for Business

The Risk Management Process for Business includes Risk Discover, Risk Assessment, Risk Treatment, implementation, Loss Management, and Risk Monitoring.   The white area represents what every […]
July 6, 2023

Insurance Contract Traps That Prevent You From Winning Bids

Insurance Contract traps: Blanket Additional Insured versus a specific endorsement, commonly: CG2010 and CG2037, 30 Day Notice of Cancelation and Waiver and Primary Wording.
July 6, 2023

The importance of knowledge dates versus retroactive dates with Cyber Liability and Employment Practices Liability

By Adam Puharic, President of Puharic and Associates, Inc. In the aftermath of the covid-19 business lockdowns and employers scrambling to reconstitute their business in a […]
July 6, 2023

Five steps every business owner must take to win the Cyber War

A presentation for Business Owners and Thought Leaders.  HACKERS ARE WINNING THE CYBER WAR!  Insurance Alone is Not Enough.
July 6, 2023

Case Study: Repair One expands rapidly creating vehicle and driver risk

Repair One expands rapidly creating vehicle and driver risk Overview Our Client, Repair One, transformed a man-and-a-truck business into a fleet of vehicles and drivers. Through […]
July 6, 2023

Case Study: Hammer and Carter Retire and need to Transition into New Leaders

  Hammer and Carter Retire and need to Transition into New Leaders Overview Our clients built a $20-million revenue firm based on loyalty and a two-person […]
July 6, 2023

Case Study: Intelligence Consulting wanted “Smart Expansion”

Intelligence Consulting wanted “Smart Expansion” Overview Our client, a small NJ-based consulting firm, approached us wanting to acquire a new company. As part of the acquisition, […]
July 6, 2023

Cyber Security Lapses can harm more than your business

Endangering clients and violating contracts with inadequate cyber controls By John Kalli – Trinity Worldwide By Adam Puharic – President, Puharic and Associates   E-mail: Adam@puharicassociates.com […]
July 6, 2023

Everything You Need to Know About Preventing Frozen Pipes

  Sign Up For Our Free Newsletters For Revelent Articles, Educational Resources and Exclusive Access to Interactive Tools that benefit business owners and Local Homeowners! Yes, […]
July 6, 2023

Case Study: Repair One expands rapidly creating vehicle and driver risk

Overview Our Client, Repair One, transformed a man-and-a-truck business into a fleet of vehicles and drivers. Through their aggressive growth, the company needed to implement risk […]
July 6, 2023

Another COVID IMPACT: Engineer Error and Environmental Pollution Claims continue to rise due to Social Inflation, Aging Infrastructure, Insurance Industry change

Chalk up yet another long-term COVID impact upon our businesses and lives that will affect Engineers and Environmental Consultants through increases in Errors and Omissions insurance […]
July 6, 2023

When is it time to notify the Professional Liability Carrier?

From Adam Puharic, president of Puharic and Associates, Inc. Insurance and Risk Managers For over 16 years, I’ve filed claims on behalf of Engineers, Architects, Surveyors […]
July 6, 2023

You survived the business lockdown, the virus, and the recession. Can you survive lawsuits from your own employees?

As we approach 2021, employers who persevered through the trials of the governmental business shutdowns are anxious to turn the page, and to return workers into […]
July 6, 2023

The preferred Insurance agents for Environmental firms

Liability Exposure from the Insurance Side: Are all policies the same? Policy Forms & Edits Contracts – chains for life… Whose policy is it any way? […]
July 6, 2023

Important Differences between Pollution Insurance Products

By Adam Puharic, Puharic and Associates, Inc. Whether you are a contractor, an engineer or environmental consultant, if you have been in business for any reasonable […]
July 1, 2023

Cyber Liability and the Work from Home World

You’ve taken the necessary step to set up your workers to access client files and proprietary work data from home. There is no better time to understand […]
July 1, 2023

Stay Ahead of the Cyber Criminals

It’s time to change your cyber security policies By Adam Puharic – President, Puharic and Associates E-mail: Adam@puharicassociates.com According to the 1988 film “The Hunt for […]
Resources