Welcome to Johl & Company!

Johl & Company
199 Center Ave
Westwood, NJ 07675

Fax: 201-664-7015

Kozma Insurance, a Division of Johl & Company

Garfield, New Jersey is a community filled with people of all ages. It’s a place where many settle to raise families in the footsteps of larger cities like New York City, Newark, and Paterson it offers easy access to some of the best cultural and entertainment opportunities in the country.

It is a small but close-knit community that holds community events throughout the year to bring the town together. Garfield is a river town, located at the junction of two rivers: Passaic River and Saddle River. Today it’s a wonderful community where people go to raise their families outside the bustle of larger nearby cities and enjoy a slower, mellower pace of life.

Kozma Insurance's Garfield Office

Johl & Company and Kozma Insurance are proud to call Garfield, New Jersey home. We consider people in Garfield and surrounding communities to be our friends and our neighbors. This is part of the reason we’ve enjoyed such long success, serving the insurance needs of Garfield families and businesses since 1963, so long.

Our Garfield Office is located on 40 Van Winkle Avenue in Garfield. This is the location where we offer business and personal insurance products to help you protect your investments in your homes and businesses.

Because this is the community we call home, we are committed to providing the best possible insurance products along with exemplary customer service before and after the sale.

We are an independent insurance agency. We believe this offers us access to a broader product selection and price range so that we can create truly personal and unique insurance packages and products that will serve the needs of our community best.

Kozma Insurance Products

Johl & Company and Kozma Insurance are proud to offer many different products to protect homes and businesses throughout Garfield and surrounding areas. Between our personal lines and business lines of insurance products, we have access to products that meet the needs of every household, family, and business in the community.

Kozma Insurance Personal Insurance Products

Our personal insurance products are designed to protect the physical structure of your home as well as the items inside your home and your automobile. The products we offer include all of the following – and more. These are a few of the products we have to offer.

  • Homeowners Insurance
  • Auto Insurance
  • Renters Insurance
  • Flood Insurance
  • Life Insurance
  • Umbrella Insurance

With these policies we can help every household in the city find protection from the worst Mother Nature or man has to throw at them.

Kozma Insurance Business Insurance Products

In addition to our robust offering of personal insurance products, we also have a wide range of products designed to help businesses reduce their risks and recover faster when disasters strike.

These are a few prime examples of the coverage we have to offer.

  • Business Auto Insurance
  • Professional Liability Insurance
  • Errors and Omissions Insurance
  • Directors and Officers Liability Insurance
  • Workers’ Compensation Insurance
  • Business Owners Policy
  • Bonds
  • Group Health Insurance

We help Garfield area businesses protect your own interests as well as the health and safety of your employees.

Why Kozma Insurance, a Division of Johl & Company - Garfield Location?

Johl & Company and Kozma Insurance have been serving Garfield, New Jersey residents and businesses since 1963. During this time we’ve worked hard to establish a reputation for fair treatment of our customers, prompt services before and after the sale, and swift resolutions when claims are made. We also offer many value-added extras, including annual program reviews, personal auto payroll deductions, video conferencing , and online insurance document storage, to name a few of our customer perks.

Don’t take our word for it though. Read through our testimonials section to see what others have to say about how we can help you meet your insurance needs. Or, call our Garfield, New Jersey office today to get a free rate quote, conduct an audit of your existing insurance policy, or to ask any questions you may have.