JJ Farber Lottman Logo
Our Solutions
The lifeblood of our business is the intersection of need, information, relationship, expertise and diversity. Our business structure is split into four simultaneously operating divisions.

Each of our four main divisions is headed by an expert in theat specific field. With providing insurance coverage since 1914, we have developed a keen insights into what types of financial protection are most valuable to you and your business.

Wholesale Solutions

The wholesale division is the fastest growing segment of our overall business model. Managed by Bruno Codispoti and Dereck King, this division has grown at an annual pace of 15% a year for the past six years. Bruno and Dereck combine many years of experience in both commercial insurance products and insurance marketing. Their combined experience in these fields bring a synergy to our clients which is second to none, offering an amazing level of both insurance knowledge and marketing expertise.

Unlike other agencies, they do not just "pass along" your submissions to our markets only to receive a mediocre response, but instead actually assist you in putting together the best submissions possible enabling you to secure the best programs for your present and potential clients.


Enviro / Bond & Surety
The environmental contracting and bonding division is run by Scott Swan. Perhaps the most specialized type of insurance that JJFL offers, Scott and his assistants bring many years of "hands on" experience to the table. Not limited to an insurance background alone, Scott is able to assist our clients on developing a business plan that can help run their operation more economically, while at the same time grow to a level never before thought attainable. Contractor cultivation is his forte!!

Often, you can find Scott out at our clients/prospects offices until the late hours of the evening. His knowledge and professionalism has been welcomed by many small, medium and large size contractors for the past 12 years.


Retail Solutions
The retail division is headed by Wendy Culbreath who worked hand in hand with our former president, the late Sanford J. Farber for 16 years. In that time she has gained precise knowledge of our clients' needs.

On an everyday basis, Wendy and her staff handle everything from placing insurance coverage for large schedules of locations to billing. Assisting everyone from property management firms to the individual real estate owner; our retail division is the backbone of our operations.


Accounting/Web Solutions
Insurance accounting and web-services is the fourth division here at JJFL. It is this department that "ties it all together" and allows clients to financially manage their book of insurance.

Scott Farber, the president & CEO is the maestro of this back office operation. Our web-services division allows our clients to remotely log in to JJFL's system and check everything from cancellation notices to checks being received to dates that commission statements were mailed out.

Our growth is directly linked to the professional; time managed underwriting procedures that have been rejuvenated by Charlie Schiro, our office manager. This practice, coupled with our innovative web-site has allowed JJFL to aid insurance brokers in placing, servicing and retaining their retail accounts. Give Charlie and his large qualified multi-lingual staff a chance and you like so many brokers in the past will find our services to be of a first class caliber.

This revolutionary addition to JJFL's business model allows us to continue to serve the insurance needs of the tri-state area for many years to come.