Johnson & Johnson review for retail agents: programs, access and binding authority
Johnson & Johnson is a family-owned insurance wholesaler and MGA in Mount Pleasant, South Carolina. It places commercial, specialty and personal lines for retail agents and binds many homeowners and flood accounts online. An MGA holds a carrier's authority to underwrite and bind, while a wholesaler shops your account to other markets.
It suits agencies that want one firm for small commercial, coastal homes and flood. You apply online and share your book and plans with the application.
- Best for
- Southeast and national agencies that want online homeowners and flood binding, plus in-house premium finance
- Type
- Family-owned wholesale broker and MGA in Mount Pleasant, South Carolina
- Lines
- Commercial P&C, marine, professional, environmental, workers comp, trucking, homeowners and flood
- Access
- Online agency application with your premium history and plans. Appointment is final once every document is in
- Authority
- Binding authority on small and mid-size commercial. Many homeowners and flood accounts bind online
- States
- Agencies across the US, with offices in 11 regions
Our take
J&J has 18 offices and underwriting teams for small commercial, brokerage, marine, professional, environmental, comp, trucking and personal lines. Its Stateside division adds professional liability programs for title agents and mortgage brokers.
It shines on personal lines. Coastal and high-value homes, manufactured homes, boats and flood in every zone are all eligible, and many bind online.
Its own finance company, JJPF, is a plus for agencies that finance often. Billing, fee and surplus lines filing terms come after appointment.
Pros
- Online binding on many homeowners and flood accounts
- Flood binds without an elevation certificate in most cases
- In-house premium finance through JJPF
- Optional IVANS policy downloads
- Binding authority on small and mid-size commercial
Cons
- Fee and billing terms aren't published
- Specialist commercial teams can't bind in house
- The first IVANS download can overwrite agency data
- Adjusters can take 72 hours to make contact
Who they work with
- Who can submit
- Licensed P&C agencies with a J&J appointment
- How to get access
- Apply online in the MGA portal, then upload compliance documents there
- Requirements
- NPNs for the principal and key contacts, a W-9, a voided check for direct deposit, your E&O declarations page and every agency license
- What the application asks
- Your written premium and E&S volume, expected first-year premium with J&J, current markets and E&S brokers and any network or cluster you belong to
Apply online
Describe the agency, its book and its business plan in the agency application.
Upload documents
Your appointment contact is prompted for the W-9, banking details and licenses.
Set up downloads
Choose whether to turn on IVANS policy downloads.
Get approved
The appointment is final only when every item is complete, and J&J may ask for more.
Programs and what they write
| Program | Type | Lines |
|---|---|---|
| Small and mid-size commercialGL, property, package, BOP, excess and inland marine | MGA | Property, GL, excess and inland marine |
| Commercial brokerageLarger accounts with high values or heavy casualty | Wholesale broker | Property, casualty, products and excess |
| Marine, professional, comp and transportationSpecialist teams by line | Wholesale broker | Ocean and inland marine, professional, environmental, workers comp and trucking |
| Occupational accidentFor owner-operators and 1099 contractors | Program | Occupational accident and contingent liability |
| Personal linesHomeowners, high-value, manufactured homes and boats | Wholesale broker | Homeowners, dwelling, umbrella and marine |
| Primary and excess floodResidential and commercial, every zone | Specialty wholesaler | Flood |
| Stateside professional liabilityJ&J's program division since 1995 | MGA | E&O, title agents, mortgage brokers, D&O and cyber |
Stateside writes title, escrow and closing agents in all 50 states. Workers comp and trucking markets vary by state.
Personal lines it writes
- Coastal homes with wind, and PC 9 and 10
- Stand-alone wind or earthquake
- Prior claims and coverage lapses
- High-value homes over $1,000,000
- Manufactured homes up to $300,000, any age
- Boats and yachts with liability up to $20 million
Flood
- Primary and excess in every zone, CBRA included
- Most personal flood binds online with no elevation certificate
- Commercial flood up to $2.5M total value online
- RCBAP and large commercial schedules
How to submit
- How it works
- Go to the underwriting team for the line. Larger and more complex accounts go to the Brokerage team
- Submit by
- Online raters, applications or phone
- Stateside submissions
- submissions@statesideunderwriting.com or quotes@statesideunderwriting.com
Quote and bind authority
"Takes your submission" means you send the risk to the firm. "In house" under Binds means the firm can commit the carrier without asking first. A blank cell means the firm hasn't published that step.
| Program | Takes your submission | Quotes | Binds |
|---|---|---|---|
| Small and mid-size commercial | In house | ||
| Commercial brokerage | |||
| Marine, professional, comp and transportation | |||
| Occupational accident | |||
| Personal lines | After carrier OK | ||
| Primary and excess flood | After carrier OK | ||
| Stateside professional liability |
Personal lines and flood bind online through J&J's raters once the carrier's rules are met. Specialist commercial teams quote but don't bind themselves.
Carrier paper and admitted status
- Admitted or surplus lines
- Both. J&J has had an E&S division since 1970
Commission, fees and billing
- Commission
- Paid by direct deposit to your agency account
- Premium finance
- JJPF, J&J's own finance company. Agents get finance quotes, take down payments and print agreements from their software
- Card fees
- A third-party processing fee on card payments to JJPF. E-check, phone EFT and autopay are free
- Insured billing
- Policyholders view documents and pay bills in J&J's Online Account Tracking System
Surplus lines taxes and filings
- Who files
- J&J doesn't publish who files surplus lines taxes. Ask before you bind
Endorsements, audits and claims
- Claims handled by
- The carrier. Report straight to it, or to claims@jjins.com if the carrier isn't on J&J's claims page
- Claim first contact
- Allow 72 hours for the adjuster to call
- Claims help
- J&J's Claims Services team works with adjusters and TPAs for you
Who owns the account
- Who owns the expirations
- J&J doesn't publish it on its site. Get it in writing before you move a book there
Portal and integrations
- Portal
- Agency Login at agent.mga-portal.com
- Online quoting
- Yes. Raters quote and bind many homeowners, flood and small commercial accounts
| Connects to | Type | What it does |
|---|---|---|
| IVANS | Agency system download | Optional download of all active policies, with taxes and fees if you choose |
| JJPF | Premium finance | J&J's own finance company for down payments and installments |
J&J warns that the first IVANS download pulls every active policy and can overwrite data already in your agency system.
Support for retail agents
- Contact
- 800-487-7565. Accounting ext. 5012, claims ext. 5024, brokerage ext. 5030 and flood ext. 5039
- Underwriter access
- Teams by line, with a regional sales lead for most of the country
- Training
- A yearly CSR Conference at Wild Dunes Resort near Charleston
- Premium finance help
- JJPF at 800-868-5573
Johnson & Johnson alternatives
- Burns & WilcoxLocal offices plus online flood and article floaters
- Bass UnderwritersSoutheast roots, with quoting before the appointment is done
- USG Insurance ServicesOnline sign-up, surety and coastal property programs
- Neptune FloodPrivate flood quoted and bound online in every state
- JencapBrokerage, small business binding and contractor programs
See every option in insurance mGAs and wholesalers.
Frequently asked questions
How do I get appointed with Johnson & Johnson?
Fill in the online agency application, then upload your W-9, banking details, E&O and licenses. The appointment is final once every item is in.
Can I bind homeowners and flood online?
Yes, on many accounts. Most personal flood and commercial flood up to $2.5M total value bind with no elevation certificate.
Does J&J offer premium finance?
Yes, through JJPF, its own finance company. You can quote financing and take down payments online.
Who handles claims on J&J policies?
The carrier. Report to it directly, and J&J's claims team can help with the adjuster.
How we researched this review. We based this review on the terms and product pages published by Johnson & Johnson, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Johnson & Johnson quit selling or a contract term that reads different now, let us know and send the link to the page where Johnson & Johnson has it. Somebody here pulls up that page and checks it before we change anything on ours.