Independent agents are those who have the ability to choose from many options. Our clients are our priority. We do not work for one company. Joski Insurance is a locally owned and operated business. Joski Insurance has a staff of experts who care deeply about your family and you. You're supporting the local economy by doing business with us. We also know your business and what your coverage requirements are. Never again will you need to contact a call center. Insurance for auto provides financial protection from bodily injury and/or physical damage resulting in a collision with another vehicle. It also covers losses related to the accident. Insurance may offer protection from theft and damages to your car caused by accidents other than traffic.