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The Vozza Agency is a full-service Property and Casualty and Employee Benefits Firm, which has been serving its individual, commercial, and public entity clients for over 45 years. Acting as risk managers for its clients, the agency offers assistance in the evaluation of exposures/benefits programs. Agency management explores areas of cost-effectiveness and counsels clients on protection, coverage, limits, loss control and safety, plan design, bargain unit negotiations, and the feasibility of alternative methods of risk transfer including partial self-funding and self-insurance programs. The firm was instrumental in establishing the first Joint Insurance Funds (JIF's) in New Jersey and serves as Risk Management Consultant for various Municipalities and School Boards in Bergen, Passaic, Morris, Essex, and Sussex counties. Vozza serves as Program Manager for the North Jersey Municipal Employees Benefits Fund (NJMEBF) and the Municipal Reinsurance Health Insurance Fund (MRHIF) and Deputy Program Manager for the Central Jersey HIF, and Southern NJ Regional Employee Benefit Fund. Areas of commercial specialization include restaurants and the food service industry, manufacturers/distributors and contractors.