Welcome to the South Bergen Joint Insurance Fund website.

The South Bergen Joint Insurance Fund commenced operation on January 1st, 1986 with eleven charter members.  Since the initial formation the fund has grown to twenty-three member municipalities throughout Bergen County.  The fund provides reasonably priced all-lines insurance to Bergen County, New Jersey municipalities.

Each participating member municipality appoints one Commissioner to the fund who shall either be a member of its governing body or one of its employees.  The Fund has its organizational meeting usually in January to elect two officers; a Chairperson and Secretary, and a five member Executive Committee.  The Officers and Executive Committee exercise full power and authority over the Fund.  The Fund also elects three alternate members to the Executive Committee.

Monthly meetings are held generally on the third Wednesday of each month at 4:30 PM, and are open to the public.  The meetings are held at:

Wood-Ridge Municipal Building

85 Humboldt Street

Wood-Ridge, NJ 07075

As per Title 40A:10-36, Joint Insurance Funds are not insurance companies; instead they are construed to be public entities.  As such, a Joint Insurance Fund is subject to the requirements of :

Local Fiscal Affairs Law

Local Public Contracts Law

Open Public Meetings Act

Various Statutes authorizing the investment of public Funds (GUDPA)

Affirmative Action Requirements

Local Government Ethics Law

This website provides important information regarding the operation of the Fund.  Your questions or comments are always welcome and may be made through the comment page section of this website or by contacting a fund official.  This website has been developed in an effort to ensure full transparency regarding every aspect of the Fund.