J.S. Johnson Insurance Agents & Brokers

What J.S. Johnson Insurance Agents & Brokers does

J.S. Johnson Insurance Agents & Brokers is a Bahamas-based insurance agent and broker providing general insurance products to individual, commercial, and institutional customers. The company's product portfolio spans motor (Third Party, Third Party Fire & Theft, Comprehensive), home/property, business/commercial (including contractors' all risks, public liability, employers liability), marine (pleasure craft, commercial vessels, yacht, cargo), aviation (private and commercial hull, medical, liability), life and health, employee benefits, and professional indemnity coverage. It serves customers through a multi-island branch network of more than ten physical offices across The Bahamas (Nassau headquarters on Collins Avenue, Thompson Blvd, Soldier Road, East Mall Drive, Freeport, Rock Sound, Spanish Wells, Harbour Island, George Town/Exuma, Great Harbour Cay, Green Turtle Cay) and a cross-border office in Providenciales, Turks & Caicos, supplemented by sub-agents on smaller islands.

The company's technology stack is light and oriented around customer self-service: an Online Service Centre (OSC) portal hosted at jsjohnsononline.com enables online premium payments via bank transfer or credit card and online claims initiation, while online quote request forms are available for motor, home, yacht/motorboat, and contractor all-risk lines, and a non-AI Contents Calculator tool helps homeowners estimate replacement values room-by-room. There is no evidence of proprietary AI/ML, model APIs, SDKs, or third-party model integrations.

J.S. Johnson earns revenue through insurance agency and brokerage commissions on policies placed with its carrier partners, which include Insurance Company of The Bahamas (ICB, exclusive principal-agency arrangement since 1997), Lloyd's of London (binding authority since 1927), Aon, Island Heritage, and BF&M Group. Pricing is quote-based and tailored to individual risk profiles across Third Party, Third Party Fire & Theft, and Comprehensive tiers. The company has been publicly traded on the Bahamas International Securities Exchange (BISX) under ticker JSJ since 1986, is led by Managing Director William Mills and CFO Racardo Underwood, and employs 150+ staff — claimed to be the largest concentration of professionally-qualified General Insurance personnel in The Bahamas.

Name

J.S. Johnson Insurance Agents & Brokers

Legal name

J.S. Johnson Insurance Agents & Brokers

Website

https://jsjohnson.com

Company type

Public

Founded year

1959

Operating status

Operating

Headcount range

101–250 employees

Short description

J.S. Johnson Insurance Agents & Brokers is a Bahamas-based, BISX-listed insurance agent and broker offering motor, property, marine, aviation, commercial, life, health, and employee benefits coverage to individuals and businesses across The Bahamas and Turks & Caicos.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industries

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ), Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

Keywords

• Insurance brokerage services
• Marine insurance coverage
• Commercial insurance policies
• Property insurance products
• Employee benefits insurance

Headquarters

HQ city

Nassau

HQ country

Bahamas

Offices12 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Agency/Brokerage Commissions: JS Johnson operates as an insurance agent and broker, earning commissions from placing insurance policies with their carrier partners including ICB, Lloyd's of London, Aon, Island Heritage, and BF&M.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

J.S. Johnson Insurance Agents & Brokers is an insurance intermediary based in Nassau, The Bahamas, offering a comprehensive portfolio of personal and commercial insurance products across motor, home/property, business/commercial, marine, aviation, life, health, employee benefits, and professional indemnity lines. The company operates as both an agent and broker, distributing policies from local and international carriers including the Insurance Company of The Bahamas (ICB), Lloyd's of London, Aon, Island Heritage, and BF&M Group, supported by an Online Service Centre for payments and claims.

Product overview

J.S. Johnson Insurance Agents & Brokers operates as an insurance intermediary offering a comprehensive portfolio of insurance products across multiple categories. The core product portfolio includes Motor Insurance (Third Party, Third Party with Fire & Theft, Comprehensive), Home/Property Insurance, Business/Commercial Insurance, Marine Insurance, Aviation Insurance, Life and Health Insurance, and Employee Benefits. The company also provides Professional Indemnity coverage for negligence and malpractice. The product suite includes supplementary digital tools such as the Contents Calculator (for estimating home contents value) and an Online Service Centre (OSC) portal for policy management, payments, and claims submission. The company serves as the principal agent for the Insurance Company of The Bahamas (ICB) and maintains partnerships with Lloyd's of London, Aon, BF&M Group, and Island Heritage to access international insurance markets.

Differentiator

Problem solved

Functional benefit

Products and services

• Motor Insurance Motor vehicle coverage offered in three tiers — Third Party, Third Party with Fire & Theft, and Comprehensive — for personal vehicle owners in The Bahamas.
• Home/Property Insurance Property insurance covering the structure and/or contents of homes, with optional liability coverage, for residential property owners in The Bahamas.
• Business/Commercial Insurance Business protection coverage including commercial property, contractors' all risks, office all risk, public liability, employers liability, and combined casualty policies for commercial enterprises.
• Marine Insurance Coverage for pleasure crafts, commercial vessels, marine cargo, and yacht/motorboat insurance for boat owners and maritime businesses.
• Aviation Insurance Private and commercial hull, medical, and liability coverage for aircraft, including airport and flight services operators.
• Life, Health and Employee Benefits Life and health insurance coverage along with employee benefits packages for businesses and individuals.
• Professional Indemnity Insurance Coverage for negligence and malpractice claims against professionals, addressing professional liability exposures.

Named customers3 records

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Five partnerships are on record, tiered core and major.

• Insurance Company of The Bahamas Limited (ICB)coreStrategic or Co-development Partner · 1 January 1997ICB was incorporated in the Bahamas on January 21, 1997 to write all classes of non-life insurance business. An exclusive agency arrangement with J.S. Johnson & Company allows ICB to simplify systems, minimize administrative costs, and develop understanding of the marketplace. ICB works closely with its reinsurance broker to ensure a well-protected balance sheet with conservative reinsurance from strong global reinsurers.
• Lloyd's of LondoncoreStrategic or Co-development Partner · 1 January 1927Lloyd's of London is the world's oldest and largest insurance market. The Lloyd's Corporation provides the platform for market operations, regulates and reports on participant performance, holds licenses in over 70 countries, and protects the Central Fund for financial resilience. JS Johnson has worked with Lloyd's since 1927 when they secured the first binding authority for a Bahamian operation.
• BF&M GroupmajorStrategic or Co-development PartnerBF&M Group has a heritage dating back over 100 years, offering health, life, property and casualty insurance products as well as pension administrative services. Operations span 15 jurisdictions including Bermuda, Barbados, Cayman Islands, Bahamas, and other Caribbean territories.
• Aon plcmajorStrategic or Co-development PartnerAon plc (NYSE: AON) is one of the largest insurance brokers in the world, providing advice and solutions to clients in over 120 countries. The partnership gives JS Johnson access to global insurance markets and expertise.
• Island Heritage Insurance CompanymajorStrategic or Co-development PartnerFounded in 1996 in the Cayman Islands, Island Heritage is a leading provider of personal and commercial insurance including property, casualty, motor and yacht coverage. Holds an 'A (Excellent)' financial strength rating from A.M. Best and is part of the BF&M group of companies.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Insurance Company of The Bahamas (ICB): Bahamian non-life carrier established in 1997 for which JS Johnson acts as exclusive agent; comparable as a Bahamas-anchored general insurance distribution/underwriting presence with similar product breadth.
• Sagicor General Insurance Bahamas: Caribbean-headquartered (Sagicor group) general insurance provider operating in The Bahamas offering motor, property and commercial coverage; direct competitor with similar product lines and Caribbean regional footprint.
• Summit Insurance (Bahamas): Bahamian-licensed general insurance company offering personal and commercial lines including motor and property; competes with JS Johnson in the same Nassau market with overlapping distribution and product mix.
• Island Heritage Insurance Company: Cayman-based A-rated (AM Best) personal and commercial property, casualty, motor and yacht insurer operating across the Caribbean; directly comparable to JS Johnson's Bahamas-led multi-line offering, especially in marine and yacht coverage.
• BF&M Group: BF&M is a Bermuda-headquartered multi-line insurer and broker providing property, casualty, life and health across Bermuda, Bahamas, Cayman and other Caribbean islands — directly comparable to JS Johnson's Caribbean-wide general insurance intermediation focus.
• Colonial Insurance Group (Bahamas): Bahamian insurance group offering personal and commercial property, motor, marine and liability coverage; direct competitor in the same national market as JS Johnson with overlapping product portfolio.

Broad incumbents

• Aon plc: Global Fortune-listed insurance brokerage and advisory firm; counterpart/partner of JS Johnson, but also a broad incumbent in the Caribbean and worldwide insurance intermediation space with overlapping capabilities for large/complex risks.
• Marsh McLennan: World's largest insurance broker and risk advisor serving commercial clients globally; broad incumbent in the same insurance intermediation category that JS Johnson operates in, relevant for large/complex corporate and specialty placements.

Regional players

• Guardian Group Caribbean: Caribbean-headquartered insurance and financial services provider across multiple territories offering general insurance, life and employee benefits; comparable to JS Johnson's multi-line Caribbean intermediation model but with different geographic anchoring.
• Cayman National Insurance Brokers: Cayman-based financial services group with insurance brokerage and general insurance activities across the Caribbean; comparable as a regional multi-line broker with similar geographic and product focus but not directly competing in The Bahamas.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/jsjohnsoninsurance
• LinkedInbs.linkedin.com/company/j-s-johnson-insurance-agents-&-brokers
• Instagraminstagram.com/jsjinsurance/?hl=en

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about J.S. Johnson Insurance Agents & Brokers