Johnson & Johnson Insurance, a managing general agency (MGA) operating across the 48 contiguous United States, has earned recognition in the insurance industry despite the lack of traditional financial strength ratings from major agencies. Unlike direct insurance carriers, Johnson & Johnson Insurance does not hold ratings from well-known agencies such as A.M. Best, Fitch, Moody’s, or S&P Global because it serves as an intermediary rather than an insurer that assumes risk.
This company works closely with both admitted and non-admitted carriers, including Lloyd’s of London, to provide a wide range of personal and commercial insurance products. These include homeowners insurance for various types of properties, dwelling fire, builders risk, manufactured/mobile home insurance, personal umbrella and excess liability, marine and recreational vehicle coverage, flood insurance, commercial lines for small businesses, and specialty surplus lines.
Though Johnson & Johnson Insurance is not directly rated by the industry’s leading rating firms, it has been recognized by Insurance Business as one of the top five-star MGAs in the U.S. for 2024 and 2025. This rating reflects strong performance in key service areas as seen by insurance professionals. However, because MGAs like Johnson & Johnson do not hold reserves or directly pay claims, their financial security depends on the carriers they work with. Unfortunately, the MGM does not publicly disclose all its insurance carrier partners, making it challenging for brokers and clients to independently verify the strength of the backing insurers.
On the customer service front, Johnson & Johnson holds a C- rating from the Better Business Bureau (BBB) and is not BBB accredited. This rating results from unresolved responses to one of four complaints, though the sample size is too small to give a full picture of their service quality. It’s worth noting that BBB accreditation is voluntary and does not necessarily indicate the overall reliability of a company’s insurance products.
For brokers and clients considering Johnson & Johnson Insurance, the main takeaway is that while the agency offers a broad national reach and a diverse product lineup, it is essential to check the ratings and reputation of the actual insurers providing coverage. Trusting the MGA itself without reviewing the underlying carriers is not advisable since the MGA does not assume financial risk or handle claims.
In summary, Johnson & Johnson Insurance offers access to a wide variety of insurance products and markets, along with industry recognition as a leading MGA. Still, due diligence remains critical to ensure the financial strength and claims-handling ability of the insurers behind the policies.