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Inc. is a wholesale broker/MGA placing both admitted and non‑admitted business for retail agencies across the U.S. They do not publish a granular class‑by‑class appetite, but their commercial and personal lines pages outline broad target segments and capabilities. PREFERRED / TARGET BUSINESS - Personal Lines – Home & Dwelling risks including standard homeowners, condos and dwellings for all occupancies, including coastal/wind, PC 9–10, stand‑alone wind or quake, prior claims or lapse situations; CPL and umbrellas available and often quotable/bindable online. High‑value homes with dwelling limits above $1M and high‑net‑worth clients are a defined specialty, using both admitted and non‑admitted markets. Manufactured homes (tenant, owner, seasonal/secondary and vacant) including any‑age homes, PC 9–10, tiny homes and stationary travel trailers are actively sought where state availability exists. Nationwide primary and excess Flood is a focus line, with broad coverage across all zones including CBRA and no elevation certificate requirement for most risks; many can be quoted and bound online. Marine & recreation (boats, yachts and “toys”) including corporate/trust titling, with limits up to $20M and admitted or surplus options, are a stated expertise. ([jjins.com](https://www.jjins.com/personal-lines/)) - Commercial Property/Casualty & Package – Broad middle‑market and E&S property and casualty, including GL, Property, Package, Excess/Umbrella, BOP, Inland Marine and OCP. They highlight strong binding‑authority programs plus brokerage access for larger, more complex accounts (high TIV, heavy casualty, products liability and large umbrellas), suggesting comfort with both standard and distressed/higher‑hazard occupancies as long as they can place them in appropriate markets. Quotes can be via online raters, submitted applications or phone. ([jjins.com](https://www.jjins.com/commercial-lines/)) - Workers Compensation – Wide range of classes from low to high hazard with emphasis on their experience and ability to “find the right solution.” Market availability is state‑dependent, implying appetite is driven by individual carrier programs rather than a single uniform guide. ([jjins.com](https://www.jjins.com/commercial-lines/)) - Transportation – Local, intermediate and long‑haul trucking, garage, garagekeepers/direct primary, dealer’s physical damage, excess liability, cargo, physical damage, limited‑class business auto, HNOA (including food delivery) and public auto are all listed as in‑house capabilities. New ventures with prior experience may be considered, subject to market. ([jjins.com](https://www.jjins.com/commercial-lines/)) - Professional & Specialty – Robust appetite for professional liability (E&O, D&O, EPLI, fiduciary, crime, cyber, K&R, A&E, lawyers, medical malpractice and excess), environmental (contractors/consultants, non‑environmental contractors with incidental exposure, site pollution, UST/AST, transportation pollution, products pollution, oil & gas/energy) and marine (dock/boat builders, boat dealers, marinas, marine artisans, commercial fishing, ocean cargo) and inland marine (equipment dealers, builders risk/installation, contractors’ equipment, medical equipment, warehouse legal and misc/scheduled property). These are positioned as solutions for both true exposure needs and contractual‑requirement‑only risks. ([jjins.com](https://www.jjins.com/commercial-lines/)) RESTRICTED / DECLINED CLASSES - No specific public list of prohibited or severely restricted classes is provided on the appetite pages. As a wholesaler, ineligible classes will be driven by individual carrier programs and state filings. Expect typical E&S restrictions on highly distressed property (e.g., unprotected frame with poor maintenance), unacceptable drivers or loss histories in transportation, and statutory limitations for WC and flood by state and NFIP rules. Agents should confirm class acceptability with their regional JJ underwriter before marketing tough risks. GEOGRAPHIC NOTES - Johnson & Johnson operates regionally segmented underwriting offices with coverage of most U.S. states. Personal lines manufactured homes availability is described as “varies by state,” and workers’ compensation and transportation are also noted as varying by state/market. Flood capabilities are described as nationwide for primary and excess, including CBRA zones. Commercial flood is written up to $2.5M total value online (higher via underwriting) with RCBAP and large schedules available, implying broad geographic reach subject to specific carrier programs. ([jjins.com](https://www.jjins.com/)) SUBMISSION & UNDERWRITING PRACTICE NOTES - Access is wholesale only: business must be submitted through appointed retail agencies. Agencies are expected to send a steady flow of business, respond timely and thoroughly, and provide feedback; JJ positions itself as a long‑term partner and problem‑solver. ([jjins.com](https://www.jjins.com/)) - Many personal and some commercial lines (especially standard homes, dwelling, manufactured homes and flood) can be quoted and in many cases bound online by agents using JJ’s raters/portals, reducing turnaround time. Complex, high‑value or distressed risks should be sent to underwriters with full applications and supporting information (e.g., loss runs, supplemental questionnaires, driver schedules, SOVs) for brokerage placement. ([jjins.com](https://www.jjins.com/personal-lines/)) - Workers comp, transportation, professional and environmental submissions are underwriter‑driven; agents should route through the appropriate specialty team and be prepared with full exposure details and loss history. Independent Contractors Occupational Accident is a defined program for 1099 contractors and motor carriers, written nationwide with some state‑specific coverage variations and optional riders; submissions will typically follow program guidelines and rating worksheets provided by JJ. ([jjins.com](https://www.jjins.com/commercial-lines/)) BROKER / PRODUCER INSTRUCTIONS - Retail agencies must partner with JJ to access markets; an online “apply now” link is provided for new agency appointments. ([jjins.com](https://www.jjins.com/)) - Regional vice presidents of sales/underwriting are listed by territory (Southeast, Gulf South, Mid‑Atlantic, New York, Florida, New England, Central, South Central, Southwest, West), and agents are expected to work through their regional contact for market questions, appetite clarification and relationship management. OPERATIONAL TAKEAWAYS - Treat JJ as a broad‑market wholesale solution for both standard and E&S risks in personal and commercial P&C, with particular strength in homes (standard, coastal, high‑value and manufactured), flood (personal and commercial), transportation, workers comp, and specialty/professional/environmental lines. - For Workers Comp, Commercial Property/Package, Umbrella, Home and Flood specifically, assume appetite is broad but state‑ and carrier‑dependent; confirm unusual or high‑hazard classes with your JJ underwriter or regional VP before marketing. - Use online raters for small/middle‑market, good‑data accounts to speed up quotes and binding; move larger, loss‑challenged or complex schedules into JJ’s brokerage or specialty teams with full submissions and current loss runs. - Because there is no public, granular do‑not‑write list, rely on direct underwriter guidance for borderline or high‑hazard risks rather than assuming eligibility based only on these marketing pages.