Business Insurance

Business insurance is a necessary part of doing business in today’s business world. Getting the right insurance coverage protects not only the assets and property of the business, but also your personal assets as well. Finding the right kind of coverage for your business insurance needs can be a bit of a challenge.

Johl & Company is here to help you get the coverage you need for your business without rushing to sell you a ton of coverage you do not need. These are some of the policies your business may need.

Business Auto Insurance

Whether your business owns and operates vehicles on its behalf or not you may still need some type of business auto insurance coverage. Commercial auto insurance coverage may include: liability, comprehensive, collision, medical payments, personal injury protection, and more. We’ll help you sort out the details so you can have the protection your business needs.

Professional Liability Insurance

This type of insurance covers liabilities resulting from mistakes you or covered employees make while carrying out daily responsibilities. It will help with legal fees and judgments, up to the policy limit. This type of coverage goes by many other names, including errors and omissions, or E&O insurance.

Errors and Omissions Insurance

Professionals and service industry employees often need the protection this liability coverage provides. It helps if they make mistakes or forget important details while carrying out their duties and face litigation as a consequence of these mistakes. Errors and omissions coverage is often used interchangeably with professional liability insurance (PLI).

Directors and Officers Liability Insurance

The directors and officers in your organization are often attractive targets for lawsuits. They must sometimes make unpopular decisions in the course of their duties and are often sued for making these choices. Directors and officers liability insurance protect directors and officers within the business from the high price of lawsuits related to carrying out their roles for the sake of the business without risking their personal financial assets to do so.

Workers’ Compensation Insurance

Workers Compensation coverage is required by law throughout New Jersey for almost every business that has employees. It’s also a wise investment for businesses to make in order to reduce their risks of being sued by employees who are injured, killed, or become ill due to carrying out their jobs for the company.

Business Owners Policy Insurance

A business owners policy is a suite of insurance products designed to offer basic insurance protections all businesses need. For the most part, it includes coverage for the physical property of the business, business equipment and signage, general liability coverage, and business interruption coverage for the time the business is unable to operate during repairs.


Bonds are necessary for many business transactions. They are especially benefit for construction related businesses though they can be used in any field. Johl & Company can help you understand your needs for bonds while arranging for suitable bonds to meet those needs.

Group Health Insurance

Group health policies offer businesses many potential benefits – as well as their employees. There are many different options available at different price points so that businesses of all kinds can afford to offer health benefits to their employees. We’ll help you sort through the options to find a suitable policy for your needs.

Why Trust Johl & Company with Your Insurance Needs?

Johl & Company has served the personal and commercial insurance needs of New Jersey residents since 1963. During that time we’ve worked hard to develop a relationship for providing prompt and personal service to our clients. This has netted us rave reviews regarding customer service over time.

More importantly, though, we’re an independent insurance agency. This means we have access to a wider range of products and options than most single provider agencies in the area.

Call 877-774-7382 today to learn more about our commercial line of insurance products and to get a free audit of your own policy and rate quote for one of our many policies.

Talk to Us! Let us know how we can help

Contact us today for a free quote for both personal and business coverage.

What Our Clients Say

  • reviews

    I would like to start by saying my experience with your agency has been amazing. I have been a customer for a few years. When I first stepped foot in your office I was close to loosing my car insurance coverage with my old provider, some places were turning me away and I was receiving high quotes from other companies. Your agency was the only one that took their time with explaining my options and providing the best insurance coverage that suits my needs. Your knowledge in this field helped to educate me with my decisions.

    – Yadira B, Garfield, NJ

  • reviews

    Just a few words of appreciation. The Kozma/Johl Insurance agency have insured my home and automobiles etc. for the past fifty years, during this period I had a few problems which were resolved without incident. The agencies associates were very professional in resolving these claims and I was more than satisfied with the results.
    Furthermore I will recommend the agencies services to my family and friends without reservation. Once again thank you

    – Carl H., Elmwood Pk, NJ

  • reviews

    Two years ago, I needed insurance for my newly purchased condo. When I reached out to my good friend Drew Stolz for advice, he not only assisted but was also able to get me car insurance, bundled with the condo policy for a cheaper price! He immediately found an affordable plan and explained all the details in ways I could understand. Every year on the annual date, he looks to find the best coverage plan and also one that is the most affordable. I am so grateful for Drew’s assistance.

    – Kim L., Granby, CT

  • reviews

    I have been a customer of Johl & Co for many years, both for my business and personal insurance. Over the entire time, I have been treated with best in class service along with competitive rates. Everyone at Johl that I have dealt with over the years has always been able to address any question, claim or concern in the most prompt professional manner. I would strongly recommend Johl & Co. to anyone for all their insurance needs.

    – Bob K., Englewood Cliffs

  • reviews

    As far as the John Johl Company, I have been a customer for I want to say like 22 plus years. I have been more than satisfied not only with the coverage , but with the service as well. You are there when I need you and you take the extra step to ensure the best coverage and the best options for Kathy & my peace of mind.
    Geiko , Progressive who ??? I Always refer you…..

    – Mark N., Lyndhurst, NJ