Insurance brokers in the US must do their due diligence whenever they recommend carriers and their products, like homeowners’ insurance, to their clients. One of the ways to do this is to check the ratings of specific carriers. In this article, we focus on Johnson & Johnson Insurance, Inc. This is not to be confused with the consumer and pharma giant with a similar name.
Johnson & Johnson Insurance is a managing general agency (MGA) serving a broad range of clients through both personal and commercial lines of insurance. In this article, we’ll provide essential facts about this company, including Johnson and Johnson’s homeowners’ insurance ratings. This is so you can make an informed decision and decide whether to include this company and its products to meet your clients’ needs.
Finding an insurance company’s ratings is vital to making an informed decision and proper assessment of their capabilities. What these ratings indicate is whether an insurer can reliably honor insurance claims.
When it comes to Johnson and Johnson’s ratings, we found that the four most-referenced insurance ratings agencies did not rate them. There are no Johnson and Johnson insurance ratings from A.M. Best, Fitch, Moody’s, or S&P Global. There are several reasons why this is the case with this carrier:
Rating agencies like A.M. Best, Fitch, Moody’s, and S&P primarily rate insurance companies that assume risk and hold reserves, not MGAs, which act as intermediaries or underwriters for carriers.
Ratings focus on financial strength and claims-paying ability, which are attributes of insurance carriers, not MGAs.
The financial security of policies placed by an MGA depends on the underlying insurer, which is rated by agencies, not the MGA itself.
MGAs typically do not publish the type of financial statements or regulatory filings required for ratings.
It is expected that MGAs are not rated by these agencies; instead, brokers and clients should review the ratings of the insurers that back the MGA’s products.
Although Johnson and Johnson Insurance does not have traditional insurance ratings from agencies like A.M. Best, Fitch, Moody’s, and S&P, it has fared well in other insurance ratings and reviews.
Insurance Business has in fact rated Johnson and Johnson as among the top-rated MGAs in the USA for 2025. As a five-star MGA, this company has shown a strong performance in at least one of several key service metrics as evaluated by insurance professionals.
Johnson and Johnson also received the award in 2024. For more information on the industry's top players, check out our Best in Insurance Special Reports page.
As an MGA, ratings for Johnson and Johnson’s homeowners’ insurance ratings cannot be precisely determined. Johnson & Johnson Insurance does not publicly list all its specific homeowners’ insurance carrier partners on its website or major industry directories.
However, based on industry sources and their own company descriptions, here’s what our research confirmed:
Johnson & Johnson Insurance acts as an MGA and Lloyd’s Correspondent, partnering with both admitted and non-admitted carriers.
They specifically mention working with Lloyd’s of London for specialty and surplus lines.
The company’s LinkedIn profile and industry directories confirm they have long-term relationships with multiple insurance companies, but do not name specific carriers for homeowners’ insurance.
Check out the IB+ Data Hub to find out the largest home insurance providers in the US. You can also filter the list by region, year, revenue, and other key metrics.
There are a few MGAs that offer flexible underwriting. Johnson and Johnson provides coverage for risks up to $25 million and custom forms for special requests.
Those who partner with this MGA get access to both admitted and non-admitted markets, including Lloyd’s of London for specialty and hard-to-place risks. They also offer a comprehensive product suite that covers a wide spectrum of personal and commercial lines.
As explained previously, this is an MGA which is a form of intermediary or middleman. This is not a direct insurance carrier. The company also does not disclose publicly which homeowners’ insurance policies they prescribe whenever a broker or client contracts those and other insurance products from them.
Johnson & Johnson Insurance offers its products and services in all 48 contiguous US states. This means they serve every state in the continental United States, excluding only Alaska and Hawaii.
As an MGA, this company offers a broad range of property and casualty insurance products.
Their product portfolio includes:
Homeowners insurance: This is coverage for primary residences, secondary/vacation homes, rental properties, vacant properties, manufactured/mobile homes, and homes under construction or renovation
Dwelling fire insurance: Provides protection for rental and investment properties not eligible for standard homeowners' policies
Builders risk insurance: Insurance for properties under construction or major renovation
Tenant-occupied property insurance: This is coverage for landlords who need to insure their rental properties
Manufactured/mobile home insurance: Policies for owner-occupied, seasonal, or tenant-occupied manufactured homes
Personal umbrella and excess liability: Provides additional liability protection above standard policy limits, including coverage for hard-to-place risks
Marine and recreational vehicle insurance: This is coverage for boats, RVs, and similar vehicles
Flood and excess flood insurance: This includes standard and excess flood coverage, including options above National Flood Insurance Program (NFIP) limits.
Commercial lines: Includes insurance for small businesses like general liability, property, and specialty commercial risks
Specialty and Surplus lines: These are custom solutions for unique or hard-to-place risks through admitted and non-admitted carriers, including Lloyd’s of London
Visit and bookmark our Property News Section for easy access to breaking news and the latest industry updates on homeowners' insurance.
Here’s a rundown of the benefits and drawbacks of taking on Johnson and Johnson as an MGA:
Wide product range: Offers a comprehensive suite of property and casualty products, including homeowners, dwelling fire, builders risk, manufactured/mobile home, umbrella, marine, flood, and commercial lines
National reach: Provides coverage in all 48 contiguous US states, allowing brokers to serve clients across most of the country
Access to multiple carriers: Partners with both admitted and non-admitted insurers, including Lloyd’s of London for specialty and surplus lines, giving brokers flexibility for standard and hard-to-place risks
Industry recognition: Rated as a 5-Star MGA by Insurance Business, reflecting strong service in at least one key metric as evaluated by insurance professionals
Flexible underwriting: Known for accommodating unique risks and offering custom forms and solutions for clients with special requirements
No direct Financial Strength Rating (FSR): As an MGA, Johnson & Johnson Insurance is not rated by A.M. Best, Fitch, Moody’s, or S&P. The financial security of policies depends entirely on the underlying insurer, not the MGA
Limited transparency on carrier partners: Does not publicly disclose a full list of its carrier partners, making it harder for brokers and clients to independently verify the financial strength and reputation of the actual insurer
No direct consumer reviews: As a wholesale MGA, there is little direct feedback from policyholders, making it difficult to assess customer service quality from an end-user perspective
Not a direct carrier: Brokers and clients must always check the ratings and claims-paying ability of the specific carrier underwriting each policy, as Johnson & Johnson Insurance does not assume risk or pay claims
There are other ways to determine if this MGA can be considered a suitable partner to find the right coverage for your clients. For starters, it helps to look at their ratings from the Better Business Bureau (BBB).
Johnson & Johnson Insurance currently has a C- rating from the Better Business Bureau (BBB). The company is not BBB accredited. The C- rating is due to failure to respond to one out of a total of four complaints filed against the business in recent years. The other three complaints have been addressed by the company. Note that these complaints would not comprise a sufficient sample size to determine the true quality of their customer service.
Brokers and other insurance professionals who are concerned with BBB ratings should note that BBB accreditation is not required for a business to be listed or reviewed by the BBB. BBB ratings are a voluntary process.
BBB accreditation means a business has agreed to uphold BBB’s Standards for Trust, which include honesty in advertising, transparency, and responsiveness to complaints. Information in business profiles is provided solely to help consumers—like those shopping for home insurance—exercise their own best judgment when choosing an insurance company.
According to the BBB, business profiles and ratings are not to be used for sales or promotional purposes. The BBB does not verify all information in business profiles and does not guarantee its accuracy. BBB accreditation does not imply endorsement of a business or its home insurance products. This simply reflects the company’s commitment to ethical business practices and customer service.
Johnson & Johnson Insurance is a strong option for market access and its wide product range, but it is essential to verify the financial strength and claims reputation of the actual insurer for each client’s policy. Insurance professionals are advised to use the information in business profiles to exercise their best judgment. Don’t rely solely on the MGA’s reputation from materials crafted for sales or promotional purposes.
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