J&J's Insurance: Comprehensive Coverage

Johnson & Johnson Insurance, also known as J & J, is a family-owned and operated independent insurance agency that has been in business since 1930. They offer a range of insurance products and services, including homeowners insurance, commercial insurance, business owners policy (BOP) insurance, and workers' compensation insurance. J & J serves individuals, families, and businesses in various states, including Colorado, Florida, and South Carolina. The company is committed to building long-term relationships with its clients and providing customized insurance solutions to meet their specific needs.

Homeowners insurance

J & J Insurance Associates is an independent insurance agency that services Hollywood, Florida, and the rest of the state. They offer a variety of personal insurance coverages, including homeowners insurance. Their dedicated team of experts works together to address all their clients' concerns.

The company provides homeowners insurance for properties of all values and sizes. They also offer excess flood insurance for homeowners who are already carrying the maximum coverage available under the National Flood Insurance Program. This program features simplistic underwriting, generous limits, and quick claims processing.

In addition to homeowners insurance, J & J Insurance Associates also offers manufactured/mobile home insurance, motorcycle insurance, boat and watercraft insurance, and flood insurance.

Another insurance company, Johnson & Johnson Insurance, also offers homeowners and dwellings insurance. They are skilled in placing homes of all values and sizes and provide both standard and excess and surplus lines markets to assist in the placement of any account.

A third company, J&A Insurance Agency, Inc., serves the greater Atlanta area and surrounding communities in Georgia. They offer tailored coverage to protect your home and personal belongings.

Marine and recreational vehicles

Johnson & Johnson Inc. (J&J Insurance) is an independent wholesale broker and a leading national insurance MGA and wholesaler. In April 2024, J&J Insurance partnered with Boatzon, the leading digital retailing marine platform for buying and selling boats, to launch the marine industry's first comparative Insurance Rater. This platform provides real-time insurance quotes and policy activation in minutes from multiple marine insurance companies. The "Quote to Bind" process happens entirely within the Boatzon checkout process and is also available for marine dealerships across the nation for in-store insurance solutions. Upon activation of a boat insurance policy, no payment is required online, and the consumer will receive their binder via mail with monthly payment options.

J&J Insurance also offers insurance for recreational vehicles like ATVs, although some restrictions apply. A basic ATV insurance policy covers third-party liability coverage, statutory accident benefits coverage (in most provinces), uninsured automobile coverage, and direct compensation for property damage coverage (in most provinces).

Commercial insurance

J & J Commercial Insurance offers a range of commercial insurance options to protect your business. Here are some of the key features of their commercial insurance policies:

• General Liability: This covers any liabilities arising from accidental injury, property damage, or bodily harm to a third party.
• Property Insurance: This includes coverage for property that is stolen, damaged, or destroyed by a covered peril, such as fire, explosion, windstorm, or vandalism.
• Inland Marine Insurance: This covers damage or destruction to business property while in transport, as well as liability exposure for property in their care during transport.
• Workers' Compensation Insurance: This provides benefits to employees who suffer work-related injuries or illnesses, regardless of who is at fault. It also protects employers from lawsuits arising from such incidents.
• Commercial Auto Insurance: This covers any liability stemming from automobiles used in your business, as well as damage to the covered automobiles.
• Business Owners Policy (BOP): This is a comprehensive package that includes property, general liability, and business interruption coverage, specifically designed for small businesses.
• Professional Liability Insurance: This covers any legal liabilities arising from negligent acts or omissions that result in bodily injury or property damage to a third party.
• Umbrella Coverage: This provides additional coverage above the limits of a basic liability policy, filling any gaps and providing protection against excess liability judgments.
• Package Policies: J & J offers the option to combine multiple commercial coverage parts, such as commercial property, general liability, and commercial auto, into a single package policy.

Workers' compensation insurance

Johnson & Johnson, Inc. is an independent wholesale insurance broker that serves insurance professionals across the United States. They provide admitted and non-admitted insurance options, including homeowners, condos, dwellings, and flood insurance.

Insurance Coverage Requirements:

All corporations, partnerships, LLCs, and sole proprietorships operating in New Jersey must maintain workers' compensation insurance or be approved for self-insurance. Even out-of-state employers may need coverage if the employment contract is entered into in New Jersey or if work is performed in the state.

How to Obtain Coverage:

There are two ways to obtain workers' compensation insurance coverage:

• By obtaining a Workers' Compensation Insurance Policy written by an authorized mutual or stock carrier in New Jersey. Premiums are based on the classification of work, claims history, and employer payroll.
• Through Self-Insurance: Employers can apply for approval from the Commissioner of the Department of Banking and Insurance. Approval is based on the financial ability of the employer to meet obligations and the permanence of the business.

Consequences of Failing to Insure:

Failing to provide workers' compensation insurance in New Jersey can result in significant consequences, including fines of up to $5,000 for the first ten days and additional penalties for each subsequent ten-day period. In the event of a work-related injury or death, the employer may be directly liable for medical expenses, temporary disability benefits, and permanent disability or dependency benefits.

Employee Rights and Benefits:

Employees who are injured on the job should notify their employer as soon as possible. They are entitled to request medical treatment from their employer, who can select the healthcare provider. If the employer refuses to report the accident, employees can contact the insurance carrier directly or file a claim with the Division of Workers' Compensation.

Temporary disability benefits are provided at a rate of 70% of the employee's average weekly wage, up to a maximum amount, for the period when they are unable to work and are under active medical care. These benefits are usually terminated when the worker returns to work or reaches maximum medical improvement.

Employer Responsibilities:

Employers are required to post and maintain notices about their workers' compensation insurance coverage or self-insured status in a conspicuous place at the worksite. They should also provide employees with information about their workers' compensation coverage, benefits, and procedures for reporting injuries and obtaining medical treatment.

Claims and Disputes:

The employer's insurance carrier or the employer (if self-insured) will investigate claims and determine eligibility for benefits. If an employee disagrees with the determination, they have the right to file a claim with the Division of Workers' Compensation, either through an informal hearing or a formal claim petition.

In summary, workers' compensation insurance is essential for employers in New Jersey to protect their employees and comply with legal requirements. It provides financial support for employees who are injured or become ill due to their work, covering medical expenses and lost wages. Employers who fail to provide this insurance may face significant consequences.

Health insurance

Johnson & Johnson (J&J) Insurance Associates is an independent insurance agency that offers a range of personal and commercial insurance products. While the specific health insurance products offered by J&J Insurance Associates are unclear, the company provides insurance solutions and builds long-term relationships with its customers.

In the context of health insurance, the term "J-1 and J-2" typically refers to visa statuses for exchange visitors and their dependents. Federal law requires J-1 exchange visitors and their J-2 dependents to maintain appropriate health insurance for the duration of their program. This includes sickness and accident insurance, as well as coverage for medical evacuation and repatriation of remains.

The University of Washington notes that not all health insurance policies available to their employees meet the J-1 insurance requirements. Similarly, the University of California, Berkeley, mentions that scholars with insurance plans that meet all requirements except medical evacuation and repatriation of remains must purchase supplemental insurance to ensure compliance.

J-1 and J-2 visa holders should carefully review the specific insurance requirements and ensure their insurance provider can meet those needs. It is worth noting that some companies, such as Jubilee Insurance, offer health insurance plans that cater to individuals, groups, and corporate organizations, with specific plans for senior citizens and children.

Frequently asked questions