Johnson, Kendall & Johnson

What Johnson, Kendall & Johnson does

Johnson, Kendall & Johnson (JKJ) is an independent, employee-owned insurance brokerage and risk management firm founded in 1956 and headquartered in Newtown, Pennsylvania. The firm delivers an integrated portfolio spanning six service lines: Commercial Insurance, Global Solutions, Employee Benefits, Personal Insurance, Financial Services, and Retirement Services. JKJ serves 16+ industry verticals including Senior Living (a nationally recognized specialty since 1969), Construction, Education, Health & Human Services, Life Sciences, Marine & Scuba, Labor Unions, Manufacturing, Private Equity, Real Estate Development, Renewable Energy, Restaurants & Hospitality, Sports/Entertainment/Gaming, Technology, and Wholesale & Distribution, plus individual consumers.

The firm's revenue model rests on recurring commissions (typically ~15% of premiums placed as an independent agent), supplemented by professional services fees from fiduciary retirement advisory (3(21)/3(38) services), wealth management (through M Holdings Securities and LRI Investments), and ancillary fees. Technology consists of digital client portals (Risk Management Center, Personal Insurance Client Portal), the AppliedPay payment platform, and an eUnderwriting multi-carrier platform developed jointly with M Financial Group; there is no proprietary AI/ML stack described. Customer-facing distribution is sales-led and consultative, supported by specialty programs (First Dive/Owl, Charter Lakes, A.E.R.I.A.) and network membership access through Assurex Global, M Financial Group, TechAssure, WING, and RiskProNet.

JKJ's go-to-market emphasizes long-term relationships, employee ownership (all employees are owners), and the Certified Evergreen corporate structure intended to insulate the firm from short-term investor pressure. Marketing relies on regional sports sponsorships (Philadelphia Eagles since 2013, Philadelphia Union since 2018), the Insights blog and risk control content, social channels (LinkedIn, X, Facebook, Instagram, YouTube), JKJ University educational programming, and the Passion With a Purpose community service initiative. Growth has been delivered through both organic vertical deepening and selective M&A (A.E.R.I.A. 2019; Sigel Insurance 2022).

Name

Johnson, Kendall & Johnson

Legal name

Johnson, Kendall & Johnson, Inc.

Website

https://jkj.com

Company type

Private

Founded year

1956

Operating status

Operating

Headcount range

101–250 employees

Short description

Johnson, Kendall & Johnson is an independent, employee-owned insurance brokerage and risk management firm founded in 1956, delivering commercial, personal, employee benefits, retirement, and financial services across 16+ industry verticals through carrier partnerships and broker networks such as Assurex Global and M Financial Group.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Risk Management

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

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

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industry

Professional Umbrella / Excess (E&O/D&O Wrap) (FSAJANAH)

Keywords

• Insurance brokerage
• Risk management
• Employee benefits
• Commercial insurance
• Retirement services

Headquarters

HQ city

Newtown

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: As an independent insurance agent, JKJ is paid a percentage of new and renewal premiums placed with insurance companies. As a rule of thumb, compensation equals approximately 15% of the premiums paid by consumers to the insurance company. Individual employees are compensated via salary, bonus, commission, or some combination of the three.
2. Financial Services Advisory: Fiduciary advisory and consulting services for retirement benefit plans, including 3(21) and 3(38) fiduciary services, investment oversight, and plan design optimization. Securities offered through M Holdings Securities, Inc. and investment advisory services through LRI Investments, LLC.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

Johnson, Kendall & Johnson (JKJ) is an independent, employee-owned insurance brokerage and risk management firm offering an integrated portfolio of six core service lines: Commercial Insurance (risk identification, custom coverage design, safety consulting, and claims advocacy), Global Solutions (multinational enterprise risk management), Employee Benefits (health, wellness, and compliance programs), Personal Insurance (home, auto, valuables, watercraft, travel, and flood coverage through carrier partnerships), Financial Services (life insurance, estate planning, and business continuity), and Retirement Services (401k/403b/457 fiduciary advisory, defined benefit, ESOP, and non-qualified deferred compensation). JKJ serves 16+ industry verticals including construction, life sciences, senior living, technology, marine/scuba, and more.

Product overview

Johnson, Kendall & Johnson (JKJ) is an independent, employee-owned insurance brokerage and risk management firm offering an integrated portfolio of six core service lines: Commercial Insurance (risk management, safety consulting, and claims advocacy), Global Solutions (multinational enterprise risk management), Employee Benefits (health, welfare, wellness, and compliance), Personal Insurance (home, auto, valuables, watercraft, travel, and flood coverage through carrier partnerships), Financial Services (life insurance, estate planning, business continuity, and securities through M Financial Group), and Retirement Services (401k/403b/457 fiduciary advisory, defined benefit, ESOP, and non-qualified deferred compensation). JKJ serves 16+ industry verticals including construction, life sciences, manufacturing, marine/scuba, senior living, and technology. Specialized programs include Marine & Scuba Insurance, First Dive Program, and Charter Lakes Boat & Vessel Program.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Insurance Comprehensive commercial insurance solutions including risk identification, custom coverage design, industry-aligned solutions, renewal strategy, contract review, and policy benchmarking. Services include safety and risk management consulting and claims management advocacy for businesses.
• Global Solutions
• Employee Benefits
• Personal Insurance
• Financial Services
• Retirement Services
• Marine and Scuba Insurance Programs

Quantifiable outcome

• JKJ helped sponsor the first 401(k) plan in the USA in 1981
• +2 more outcomes

Named customers8 records

Segments17 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

20 partnerships are on record, tiered minor, core and secondary.

• Walnut Street TheatreminorGTM or Marketing Partner · 1 January 2026JKJ sponsors Walnut Street Theatre's production of 1776: The Musical, reflecting JKJ's commitment to community engagement and support for arts and cultural organizations in the Philadelphia region.
• Assurex GlobalcoreStrategic or Co-development Partner · 1 January 2024JKJ joined Assurex Global in 2024, the world's largest privately-held commercial insurance, risk management, and employee benefits brokerage group, providing access to global resources and capabilities while maintaining independent ownership.
• ECRIsecondaryStrategic or Co-development Partner · 1 January 2023JKJ partnered with ECRI in 2023 to provide comprehensive clinical risk management services to senior living clients, enhancing JKJ's service offerings in the senior living sector.
• WING (Worldwide Insurance Network Group)coreStrategic or Co-development Partner · 1 January 2022JKJ joined WING in 2022, a closely held and member-governed international, independent broker network, reinforcing JKJ's commitment to supporting independent brokers globally.
• Sigel InsuranceminorOthers · 1 January 2022Sigel Insurance merged with JKJ in 2022, expanding JKJ's market presence and client base.
• Amusement Entertainment Risk Insurance Associates (A.E.R.I.A.)minorOthers · 1 January 2019JKJ acquired A.E.R.I.A. in 2019, a company specializing in coverage for the amusement and entertainment industry, expanding JKJ's capabilities in this vertical.
• TechAssurecoreStrategic or Co-development Partner · 1 January 2018JKJ joined TechAssure in 2018, a leading global network of independent insurance and risk management experts specializing in technology-related risks and innovation-driven industries. JKJ is among only 22 firms in the U.S. with access to exclusive benchmarking data and proprietary policy forms for life sciences.
• Philadelphia UnionsecondaryGTM or Marketing Partner · 1 January 2018JKJ partnered with Philadelphia Union soccer team in 2018, supporting the local sports community and strengthening regional brand presence.
• M Financial GroupcoreStrategic or Co-development Partner · 1 January 2016JKJ Financial Services is a member/owner of M Financial Group, one of over 130 member firms that are among the most experienced and largest buyers of insurance and financial products. M Financial Group has strategic alliances with major insurance companies and developed the industry's first multi-carrier eUnderwriting platform.
• Philadelphia EaglessecondaryGTM or Marketing Partner · 1 January 2013JKJ partnered with the Philadelphia Eagles in 2013, with partnership extension announced in 2022. The partnership reflects JKJ's commitment to community involvement and regional brand building.
• RiskProNet InternationalcoreStrategic or Co-development Partner · 1 January 1996JKJ became a founding partner of RiskProNet International in 1996, one of the original insurance broker networks.
• AHK (American-German Chamber of Commerce)minorGTM or Marketing PartnerJKJ partners with AHK to support international business relationships and German-American commercial connections.
• British-American Business CouncilminorGTM or Marketing PartnerJKJ partners with British-American Business Council to facilitate transatlantic business and insurance relationships.
• First Dive / Owl Underwriting Agency, Inc.minorStrategic or Co-development PartnerJKJ cooperates with First Dive / Owl Underwriting Agency to develop full range of insurance products for the Recreational Scuba Diving Industry with technical expertise and high service levels.
• Charter Lakes InsuranceminorStrategic or Co-development PartnerJKJ cooperates with Charter Lakes Insurance to develop full range of insurance products for boats, yachts, commercial vessels and rentals in the marine sector.
• Tugboat InstituteminorOthersJKJ is a member of the Tugboat Institute, which grants the Certified Evergreen® distinction recognizing commitment to enduring excellence and long-term independence.
• National Center for Employee Ownership (NCEO)minorOthersJKJ is affiliated with the NCEO, supporting employee ownership principles and practices.
• CIAB (Council of Insurance Agents & Brokers)minorOthersJKJ is affiliated with CIAB, the leading trade association for commercial insurance agents and brokers.
• Trusted ChoiceminorOthersJKJ is a Trusted Choice independent insurance agent, providing access to resources and brand recognition for independent agents.
• UnibaminorStrategic or Co-development PartnerJKJ is affiliated with Uniba, a network supporting independent brokers for international needs.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Hub International: Hub International is a leading North American insurance brokerage serving mid-market commercial clients across diverse verticals, with strong employee benefits and risk management capabilities — a closely comparable mid-market peer in product mix and target customer.
• RPS Group (Risk Placement Services): RPS is a specialty insurance wholesaler and broker focused on excess and surplus lines, complex commercial risks, and niche industries — comparable to JKJ in specialty brokerage focus and reliance on non-admitted/excess carrier relationships (now part of Gallagher).
• AssuredPartners: AssuredPartners is a rapidly growing mid-market insurance broker built largely through acquisitions of regional agencies, offering commercial P&C, employee benefits, and personal lines — directly comparable to JKJ's vertical-specialty and M&A-driven growth playbook.
• Leavitt Group: Leavitt Group is a privately-held, employee-owned insurance brokerage operating across the Western US, offering commercial, personal, and benefits solutions — closely comparable to JKJ's independent, employee-owned structure and multi-vertical strategy.
• Brown & Riding: Brown & Riding is a specialty insurance and reinsurance broker with deep expertise across niche verticals and complex risk placements — comparable to JKJ in its specialty-focus orientation and access to non-admitted/excess markets.
• IMA Financial Group: IMA Financial is an independent, employee-owned insurance brokerage and risk management firm offering commercial insurance, employee benefits, and wealth management — structurally similar to JKJ as an independent, employee-owned full-service broker.
• USI Insurance Services: USI is one of the largest privately-held insurance brokerage and consulting firms in the US, with deep middle-market specialization across property/casualty, employee benefits, and retirement services — a near-direct analog to JKJ's integrated model, though at meaningfully larger scale.

Broad incumbents

• Marsh McLennan: Marsh is the world's largest insurance broker and a division of Marsh McLennan, serving multinational corporations with risk management, insurance, and consulting — represents the large-incumbent peer that defines the upper bound of the broker competitive landscape.
• Aon: Aon is a leading global professional services firm offering risk management, insurance brokerage, and HR consulting — a major incumbent peer competing with JKJ for mid-market and specialty accounts, with broader analytics and capital-markets capabilities.
• Arthur J. Gallagher (Gallagher): Gallagher is a Fortune 500 global insurance brokerage and risk management firm serving mid-market through enterprise clients — a broader incumbent competing with JKJ in mid-market and specialty segments, with significantly larger scale and resources.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/jkjinc1
• YouTubeyoutube.com/@jkjinc
• Facebookfacebook.com/johnson-kendall-johnson-inc-117602738325031
• LinkedInlinkedin.com/company/johnson-kendall-&-johnson
• Instagraminstagram.com/jkjinc/?hl=en

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries4 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 Johnson, Kendall & Johnson