Harbor Lights Risk Management (HLRM)

HLRM delivers customized solutions to businesses and individuals.
Led by Phil Gatti, Harbor Lights Risk Management takes pride in being an independent insurance agency focused on offering our clients broad range of options to fit their unique needs. We are your quality insurance services source that will save you money with proper insurance coverage from some of the leading insurance companies. We work for you - the customer - not the insurance company! With over 35 years of experience, we pride ourselves on our high level of service. Contact us today for a free consultation.

Trusted Experience

In business since , the Insurance Agency knows how to save you money on home, life, and auto insurance. Our top priority is to develop professional personal relationships with our clients, allowing us to grow with you. Please feel free to contact us with any questions you may have.
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Client Quick Tools

At the Harbor Lights Risk Management we try to make our customers lives easier. Our website is always open for business 24/7. Offering innovative service tools that allow you to handle any insurance situation that you may be in. Just click the graphics to the left for support.


2424 Highway 34 -
Manasquan, NJ 08736 -
p: 1.732.528.1740 -
f: 1.732.223.2555 -
email: philgatti@gmail.com
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