Vozza Agency

What Vozza Agency does

The Vozza Agency is a family-owned, independent property and casualty insurance agency founded in 1953 by James G. Trubek and Joseph L. Vozza in Teaneck, New Jersey. It is now headquartered at 77 Market Street in Park Ridge, NJ under the legal name Joseph L. Vozza Agency, Inc. The agency operates as a multi-carrier broker representing 18+ insurance carriers — including Aetna, Chubb, Cigna, Liberty Mutual, Travelers, Progressive, The Hartford, Nationwide, and Utica National — earning commissions on commercial and personal insurance placements. Its product portfolio spans Commercial Insurance, Personal Insurance, and three niche specializations: Municipality Insurance, School Board Insurance, and Restaurant Insurance, complemented by Employee Benefits Programs and Risk Management Services.

The agency's defining competitive position is its institutional role in New Jersey's public-entity insurance market. Founder-family leadership was instrumental in creating the first municipal Joint Insurance Fund (Bergen Municipal JIF) in NJ in 1983-1985, the structural model for JIFs that now insure more than 72% of NJ municipalities. The agency serves as Program Manager for the North Jersey Municipal Employee Benefits Fund (NJMEBF) and the Municipal Reinsurance Health Insurance Fund (MRHIF), collectively covering 183+ municipalities and school boards. President David J. Vozza also chairs the New Jersey Restaurant Workers' Compensation Safety Trust, which insures 250+ restaurant members and has returned dividends averaging over 23% annually for 30+ years.

The business model is commission-based, with quote-based pricing for all insurance products and monthly billing cadence for clients. The go-to-market is sales-led and multi-channel: direct customer contact via phone, SMS, email, and in-person appointments at the Park Ridge office, plus field sales for enterprise accounts that includes on-site claims assistance (documented as a 90-minute on-site response to a restaurant kitchen fire). Marketing is driven by educational blog content, social media (Facebook, LinkedIn, Instagram), community involvement with local organizations, and referral/word-of-mouth. The team is led by David J. Vozza (President since 1989), with named key personnel including Robin Rengstorff (Underwriting Manager, joined 1987), Olga Bobylak (Claims & Loss Control Specialist, joined 1995), Randi A. Gerber (Account Executive, joined 2007), and Brittany S. Vozza (Sales and Marketing Manager, joined 2008). Total agency headcount is not disclosed; no external investors, parent company, or M&A activity is indicated.

Name

Vozza Agency

Legal name

Joseph L. Vozza Agency, Inc.

Website

https://vozza.com

Company type

Private

Founded year

1953

Operating status

Operating

Headcount range

1–10 employees

Short description

The Vozza Agency is a family-owned independent insurance agency founded in 1953 in Park Ridge, NJ, serving New Jersey municipalities, school boards, restaurants, and commercial clients via 18+ carrier partnerships and specialized Joint Insurance Fund program management.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Nonprofit / Social Services BOP (FSAJAFAM)

Keywords

• Commercial insurance brokerage
• Municipal insurance programs
• Restaurant insurance coverage
• Personal lines insurance
• Employee benefits administration

Headquarters

HQ city

Park Ridge

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Insurance Commissions: The agency operates as an independent insurance agency earning commissions from multiple insurance carriers for placing commercial and personal insurance policies. Commissions are typically a percentage of premiums written.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Vozza Agency is an independent property and casualty insurance brokerage placing commercial and personal insurance policies on behalf of clients through 18+ carrier partners. The agency specializes in commercial insurance, restaurant insurance, school board insurance, municipality insurance, and personal insurance, with deep expertise in administering Joint Insurance Funds (JIFs) and Health Insurance Funds (HIFs) for New Jersey municipalities, school boards, and restaurants. It also provides employee benefits administration and risk management consulting services.

Product overview

Vozza Agency is a property and casualty insurance agency offering a portfolio of insurance products and risk management services. The agency operates as a multi-product insurance brokerage providing Commercial Insurance, Restaurant Insurance, School Board Insurance, Municipality Insurance, and Personal Insurance as core product lines. These offerings are complemented by Employee Benefits Programs and Risk Management Services. The agency specializes in serving New Jersey municipalities, school boards, restaurants, and commercial businesses, with particular expertise in forming and managing Joint Insurance Funds (JIFs) and Health Insurance Funds (HIFs). The product portfolio includes standard insurance coverages alongside specialized programs like the New Jersey Restaurant Workers' Compensation Safety Trust and the North Jersey Municipal Employee Benefits Fund.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Insurance Comprehensive commercial insurance coverage including property, general liability, products liability, professional liability, workers compensation, commercial auto, umbrella coverage, cyber liability, and employee benefits programs for businesses of all sizes.
• Restaurant Insurance Specialized insurance for restaurants and food service businesses covering general liability, property, liquor liability, food spoilage, cyber liability, business interruption, and workers compensation, including access to the New Jersey Restaurant Workers' Compensation Safety Trust.
• School Board Insurance Insurance and risk management services for school boards including property/general liability, school board legal coverage, commercial auto/bus insurance, student accident coverage, boiler/machinery, employee benefits, dividend programs, and risk management consulting.
• Municipality Insurance Insurance solutions for municipalities covering property/general liability, automobile, workers compensation, statutory and fidelity bonds, equipment floaters, police professional liability, public official liability, and employee benefits including management of the North Jersey Municipal Employee Benefits Fund.
• Personal Insurance Personal insurance products including homeowners, condominium, renters, automobile, watercraft, wedding/event, life insurance, disability income, financial planning, long-term care, student insurance, and umbrella coverage.
• Employee Benefits Programs Employee benefit programs for 2 through 2,000 employees including group medical, group life, short/long-term disability, group dental, group long-term care, 401K plans, prescription plans, and vision care, with consulting services for public entities and municipalities.
• Risk Management Services Risk management consulting including exposure identification, coverage review, loss control and safety services, risk financing alternatives, and contract/certificate review for commercial and public entity clients.

Named customers7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

24 partnerships are on record, tiered core and flagship.

• AetnacoreOthersHealth insurance carrier partner providing group health, dental, and related employee benefit products to Vozza Agency clients.
• AmTrustcoreOthersInsurance carrier partner specializing in commercial lines and specialty risk products.
• Arrowhead General Insurance AgencycoreOthersGeneral insurance carrier partner providing various commercial and personal lines coverage.
• ChubbcoreOthersPremium insurance carrier partner specializing in high-value personal insurance (Chubb Masterpiece policy) and commercial coverage.
• CignacoreOthersHealth insurance carrier partner providing group health and employee benefits.
• EmployerscoreOthersWorkers' compensation insurance carrier partner.
• Delta DentalcoreOthersDental insurance carrier partner providing group dental coverage for employees.
• ForemostcoreOthersInsurance carrier partner providing specialty products including manufactured housing and watercraft insurance.
• Guard Insurance GroupcoreOthersWorkers' compensation and commercial insurance carrier partner.
• Guardian Life InsurancecoreOthersLife and disability insurance carrier partner for employee benefits.
• Horizon Blue Cross Blue ShieldcoreOthersMajor New Jersey health insurance carrier partner providing group health coverage.
• Liberty MutualcoreOthersNational insurance carrier partner providing personal and commercial insurance products.
• Mass MutualcoreOthersLife insurance carrier partner for individual and group life insurance products.
• NationwidecoreOthersNational insurance carrier partner providing personal and commercial coverage options.
• ProgressivecoreOthersPersonal and commercial auto insurance carrier partner.
• The HartfordcoreOthersCommercial insurance carrier partner specializing in business insurance and employee benefits.
• TravelerscoreOthersCommercial and personal insurance carrier partner with broad product offerings.
• United HealthCarecoreOthersHealth insurance carrier partner providing medical coverage and wellness programs.
• Utica NationalcoreOthersRegional insurance carrier partner providing various commercial and personal lines coverage.
• Bergen Municipal Joint Insurance FundflagshipStrategic or Co-development PartnerFirst municipal Joint Insurance Fund formed in New Jersey in 1983-1985. Vozza Agency was instrumental in creating this JIF which later became the model for JIFs now covering 72%+ of NJ municipalities.
• Municipal Excess Liability Fund (MEL)flagshipStrategic or Co-development PartnerStatewide municipal excess liability fund created as a result of Vozza Agency's involvement. Provides excess coverage for participating JIFs.
• North Jersey Municipal Employee Benefits Fund (NJMEBF)flagshipStrategic or Co-development PartnerHealth Insurance Fund (HIF) for municipal employee benefits. Vozza Agency serves as Program Manager for this fund covering 180+ municipalities and school boards.
• Municipal Reinsurance Health Insurance Fund (MRHIF)flagshipStrategic or Co-development PartnerReinsurance health insurance fund that provides coverage for 6 participating regional HIFs covering 183+ municipalities and school boards. Vozza Agency serves as Program Manager.
• New Jersey Restaurant Workers' Compensation Safety TrustflagshipStrategic or Co-development PartnerWorkers' compensation dividend safety group insuring 250+ restaurant members. Vozza Agency Chairman Dave Vozza chairs this trust which has returned dividends averaging 23%+ annually over 30+ years. AM Best A+ rated carrier.

Scale indicators7 records

Recent moves10 records

Expansion highlights6 records

Emerging players

• Next Insurance: Digital-first insurtech offering small commercial insurance including restaurant coverage. Comparable in serving restaurant and small business customers with commercial P&C products, but competing via direct-to-customer digital channels rather than agency relationships.
• Progressive Commercial: Direct-to-customer commercial insurance carrier offering commercial auto, BOP, and workers' comp online. Comparable in targeting Vozza's commercial and restaurant customer base with a digital-first distribution model that bypasses traditional agents.

Broad incumbents

• Acrisure: Rapidly growing PE-backed insurance brokerage with significant NJ footprint (formed partly via Meadowbrook acquisition). Comparable independent-agency business model with multi-carrier access and aggressive acquisition strategy.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with a major NJ presence serving municipalities, restaurants, and commercial clients. Comparable product breadth and target segments but at vastly larger scale and with broader geographic reach.
• Brown & Brown Insurance: National insurance brokerage with deep commercial and personal lines presence including New Jersey operations. Comparable as a multi-carrier independent agency model at much larger scale, offering overlapping P&C and benefits products.
• Marsh McLennan: Global professional services firm offering insurance brokerage, risk advisory, and consulting. Comparable in serving large municipal and commercial accounts with risk management and benefits capabilities, though at enterprise scale.

Direct peers

• Conner Strong & Buckelew: One of the largest New Jersey-based insurance brokerages providing commercial insurance, employee benefits, and risk management. Directly comparable as a regional NJ broker serving municipalities, public entities, and commercial accounts with multi-carrier access.
• The Kirschenbaum Agency: Long-standing New Jersey-based independent insurance agency offering commercial, personal, and specialty coverages. Comparable regional independent-agency model serving NJ businesses and individuals with multi-carrier representation.
• Weinick Burns Insurance Agency: Established New Jersey independent insurance agency with multi-carrier commercial and personal lines. Comparable mid-size NJ independent brokerage serving similar small business and personal customers with relationship-driven service.

Regional players

• Frank H. Reis & Associates: Long-established NJ-based insurance brokerage serving commercial clients and public entities. Comparable as a regional independent agency with similar carrier-representation model and municipal/commercial expertise.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/VozzaAgency
• LinkedInlinkedin.com/company/the-vozza-agency
• Instagraminstagram.com/vozzaagency

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Vozza Agency