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. presents itself as an independent wholesale broker / MGA serving insurance professionals throughout the United States, with commercial underwriting organized by specialty rather than a single published appetite guide. Current commercial guidance emphasizes broad placement capability through admitted and non-admitted markets, with binding authority available in multiple areas. Preferred or actively handled business includes property and casualty accounts needing General Liability, Property, Package, Excess Liability/Umbrella, Businessowners, Inland Marine, and Owners and Contractors Protective; harder or more complex brokerage placements including high property values, heavy casualty, products liability, and excess/umbrella; ocean marine risks such as dock builders, boat builders, boat dealers, marinas, marine artisans, commercial fishing operations, and ocean cargo; inland marine risks such as equipment dealers, builder’s risk/installation, contractors equipment, medical equipment, warehouse legal liability, and scheduled property; professional liability including E&O, D&O, EPLI, fiduciary, crime, cyber, kidnap & ransom, architects & engineers, lawyers, medical malpractice, and excess; environmental business for contractors/consultants, non-environmental contractors, site pollution, storage tanks, transportation pollution, products pollution, oil & gas, and energy; workers’ compensation across low- to high-hazard classes; transportation including local/intermediate/long-haul trucking, garage, garage keepers/direct primary, dealers physical damage, cargo, physical damage, excess liability, public auto, limited business auto, and hired/non-owned auto for food delivery; independent contractor occupational accident for 1099 contractors and motor carriers; and primary/excess flood, including all flood zones and CBRA, with online quote/bind capability up to $2.5M total insured value without an elevation certificate, plus RCBAP and large commercial schedules. Geography: the firm states it serves insurance professionals nationwide and lists regional underwriting/sales footprints across most U.S. states; however, it specifically notes that workers’ compensation, transportation, and occupational accident availability vary by state. Flood also notes varying coverage by state for some coverages. No formal declined-classes list or prohibited-risk schedule was found on the verified official pages; instead, the site signals willingness to review difficult, larger, and specialty-exposure accounts through brokerage and specialty teams, so restrictions appear market- and state-dependent rather than centrally published. Submission expectations and broker notes: quotes may be obtained via online raters, submitted applications, or by phone; the company asks agency partners to send a steady flow of business and provide timely, thorough responses; agency onboarding is available through an online 'apply now' portal; and department-specific contacts/extensions are published for Standard Lines, E&S Property & Casualty, Professional Liability, Workers’ Compensation, Transportation, Brokerage, and Primary & Excess Flood. Overall, the current published posture is broad wholesale access for retail agents, especially for specialty, transportation, marine, flood, professional, environmental, and difficult commercial placements, with state-specific market checks needed where noted.