Johnson & Johnson Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Johnson & Johnson, Inc. operates as a wholesale broker/MGA serving retail agents nationwide rather than a direct-writing carrier. Current public guidance is high-level appetite and capability rather than detailed class-by-class underwriting rules. PREFERRED / TARGET BUSINESS - Property & Casualty / Package: Broad appetite for small to mid-market commercial risks placed on admitted and non‑admitted paper. Handles General Liability, Property, Package, Excess/Umbrella, Businessowners, Inland Marine, and Owners & Contractors Protective. They emphasize numerous binding authority options and online raters, indicating a preference for standard and moderately complex risks that can be efficiently underwritten via their programs or binding facilities. - Brokerage: Targets larger and more complex accounts needing specialty markets—high property values, heavy casualty, products liability, and umbrella/excess. These risks are channeled through the Brokerage team for customized placements. - Workers’ Compensation: Markets themselves as having experience with numerous classes from low to high hazard, suggesting a broad class appetite including tougher comp where carriers are available. Market availability is state‑dependent. - Transportation: Appetite for Local, Intermediate, and Long‑Haul Trucking, Garage operations, Garagekeepers (including Direct Primary), Auto Dealers Physical Damage, Cargo, Business Auto (limited classes), Hired & Non‑Owned Auto (including food delivery), Public Auto. New ventures with experienced principals may be considered. - Flood: Primary and Excess Flood for risks in all flood zones, including coastal and CBRA areas, for both personal and commercial exposures. Accounts up to $2.5M total value are eligible for quote-and-bind entirely online without an elevation certificate. They also handle RCBAP (condo associations) and large commercial schedules. - Marine / Inland Marine: Dock builders, boat builders, dealers, marinas, marine artisans, commercial fishing, ocean cargo, plus non-marine inland exposures such as equipment dealers, builders risk/installation, contractors equipment, medical equipment, warehouse legal liability, and miscellaneous scheduled property. - Professional & Environmental: Wide professional liability appetite (E&O, D&O, EPLI, fiduciary, crime, cyber, kidnap & ransom, A&E, lawyers, medical malpractice, excess) and environmental products for environmental contractors/consultants, non-environmental contractors with incidental exposure, site pollution, tanks, transportation pollution, products pollution, and oil & gas/energy. They can write package, stand-alone, and unsupported excess. RESTRICTED / DECLINED CLASSES - Public-facing material does not list specific prohibited classes or formal decline lists. As a wholesaler, Johnson & Johnson’s acceptability is largely driven by each underlying carrier’s guidelines. Retail agents should assume that extremely high‑hazard or distressed risks, unacceptable loss history, or accounts outside the underlying carriers’ eligibility will be declined or need Brokerage referral. GEOGRAPHIC NOTES - Workers’ Compensation: Market availability varies by state; not all comp solutions are available in all jurisdictions. - Transportation: Market availability also varies by state; some auto/transport programs may be region‑specific. - Flood: Described as available across all flood zones, including CBRA; no specific state carve‑outs noted, but details and some coverages can vary. - Independent Contractors Occupational Accident: Program described as offered nationwide, though some benefits/coverage options vary by state. SUBMISSION & WORKFLOW EXPECTATIONS (FOR PRODUCERS) - Property & Casualty / General Commercial: Quotes can be obtained via online raters, submitted applications, or by phone, indicating flexibility in how retail agencies submit business. Using the online raters or standard applications under their binding authorities is implied to be preferred for eligible business; more complex risks should be routed to the Brokerage team. - Flood: Accounts up to $2.5M total value can be quoted and bound online, with no elevation certificate required for those accounts. This suggests a streamlined portal workflow for standard flood accounts; larger schedules or more complex structures likely require email or broker-assisted submissions. - Independent Contractors Occupational Accident: Program structure allows “various riders” to customize coverage, which usually requires discussing coverage options with Johnson & Johnson underwriters rather than simple straight‑through rating. BROKER / PRODUCER NOTES - Relationship Orientation: They present themselves as an independent wholesale broker focused on agency partnerships, emphasizing quick handling of day‑to‑day business and creative solutions for difficult accounts. Retail agents are the direct customers; insureds typically work through their local agent. - Partnership Expectations: They explicitly appreciate agencies that (a) commit to using them as a primary wholesaler, (b) send a steady flow of submissions, (c) respond to underwriter questions and indications quickly and thoroughly, and (d) provide feedback on market data, customer service, and website enhancements. - Access: Agencies must partner with Johnson & Johnson (via the “Partner With Us”/“Apply Now” process) to gain access to their markets and online raters. Separate extensions exist for Workers’ Compensation, E&S Property & Casualty, Professional liability, Transportation, Personal Lines, and Flood, so producers should direct submissions and questions to the correct department. Operationally, treat Johnson & Johnson as a broad‑based wholesale intermediary with binding authority and program access in multiple lines. Use online raters and program portals whenever possible for standard risks (especially P&C, BOP, workers comp, and flood up to $2.5M), and route high‑value, high‑hazard, or unusual exposures to the Brokerage team. Because they rely on multiple underlying carriers, always confirm carrier‑specific underwriting rules, state availability, and restricted classes for each submission.