Protect Your Identity

Identity theft occurs when someone uses your personally identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes.

The FTC estimates that as many as 9 million Americans have their identities stolen each year. In fact, you or someone you know may have experienced some form of identity theft.  The crime takes many forms. Identity thieves may rent an apartment, obtain a credit card, or establish a telephone account in your name. You may not find out about the theft until you review your credit report or a credit card statement and notice charges you didn’t make—or until you’re contacted by a debt collector.


Identity theft is serious. While some identity theft victims can resolve their problems quickly, others spend hundreds of dollars and many days repairing damage to their good name and credit record.  Some consumers victimized by identity theft may lose out on job opportunities, or be denied loans for education, housing or cars because of negative information on their credit reports. In rare cases, they may even be arrested for crimes they did not commit.

Loss Of Power

For a customer whose business was damaged or forced to close, these are the most important questions. With The Hartford's optional Off-Premises Utility Services coverage, you'll have a great answer for them.

Loss of Power Doesn't Have to Mean Loss of Income

Damage caused by a weather event can cost a small business about $3,000 a day.1 Having the right coverage in place can mean the difference between a small business getting back on its feet in days as opposed to weeks, months or even years. With The Hartford's optional Off-Premises Utility Services (OPUS) coverage, there is only a 12-hour waiting period after a loss before coverage applies. This helps a business replace lost income faster than most other carriers, helping to minimize disruption so a business doesn't just endure – it prevails.

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Teen Driving Safety Tips

Teen driving safety is an important issue in the US. At Johl & Company we care deeply about the safety of the families in our community. We would like to share some tips to help the teen drivers in Bergen County drive more safely.

Graduations and Event Insurance

Summer is quickly approaching. This means that it is almost time for graduation season.  We had previously talked about how Event Cancellation / Postponement Insurance and Event Liability Insurance can protect your wedding from cancellation or accident. Graduation Ceremony Insurance is a new type of Event Insurance that can protect the events from being spoiled by unexpected circumstances.  

Tips For New Homeowners

For first time homeowners, it can sometimes be difficult to know what to do after you first get settled into your new home. There are several things that you should do when you first move into your new house so both save yourself money and make staying there more comfortable for your family. 

Health Insurance

Healthcare has been a popular topic of discussion over the past few years,  which has left many people uncertain of their options.  The following website can help, and so can we.

Preparing For Hurricane Season

Hurricane Season in New Jersey can be a very dangerous and unpredictable time. Hurricane Season this year is expected to start around June 1st so it is important to make sure that your family is prepared in advance for any storms that may hit Bergen County and its surrounding areas.