Business Insurance Background

Property & Liability

Johnson Insurance provides business insurance solutions tailored to your unique needs. Our experience and breadth of services provide you a variety of options, whether you're looking for the best quality, cost, efficiency, or combination of all three. We offer a full range of insurance coverage and will help identify what is best for you in every situation through our Johnson Advantage™ process.

Property Insurance

Let Johnson Insurance protect your business from the unexpected, so you can concentrate on what you do best—running your business. From the pencils in your desk to the brick and mortar building, we will partner with you to identify the best coverage option.

Ways We Work with Our Carriers for You

Liability Insurance

Accidents happen every day that can significantly impact your business and your employees. Whether you have one location and specialize in one industry, or have multiple offices and industries across the globe, we recognize the unique challenges you face. We will collaborate with you to craft a liability insurance program and prepare you for contingencies. Rest assured that your business is protected and supported while achieving your overall risk management goals.

Premises Liability Solutions to offer protection for everything from a client slipping in your parking lot to scratching someone’s floor on a delivery
Products & Completed Operations Protect yourself from potential accidents caused by your merchandise or liability that arises out of a building you constructed
Professional Liability Whether you are a Doctor, Architect, Engineer, CPA, Contractor or Lawyer, Johnson Insurance offers solutions to protect your business from allegations of negligent acts, errors, and omissions.
Cyber Liability We can help you protect your business with Network Security, Employee and Client privacy, and Electronic Media Liability

Umbrella/Excess Insurance

An umbrella or excess policy offers additional protection once your business' general, auto or other liability coverage is exhausted. Umbrella or excess insurance is an inexpensive way to protect your business from catastrophic loss.

Umbrella Coverage

Worker's Compensation

You pride yourself on operating a safe, secure work environment where your employees can perform to the best of their ability and grow your business. But even in the best circumstances, accidents still happen—an auto accident while making a delivery resulting in nerve damage, an equipment malfunction on the manufacturing floor causing a hand injury, or a slip and fall on your front steps resulting in broken bones. In addition to providing the worker's compensation coverage your company needs, our consultants will recommend ways to improve job safety and your Experience Mod, lower your claim costs and protect your employees.

Ways to ensure employees are taken care of:

Commercial Auto Insurance

From running errands to operating a significant trucking fleet, you depend on vehicles to serve your customers.Even if your business doesn't own company vehicles, you are exposed to the hidden financial implications of employees driving on company time or in rental cars. We offer flexible business auto insurance to help protect you, your employees and your business.

Additional assistance:

Financial & Management Liability

Your company could be at a high risk of uninsured loss without the right protection. From the way you maintain sensitive data to how you manage your employees—there are many management liability exposures you should be aware of. In some cases, your personal assets could be at risk.

Directors & Officers Liability Protect your business and your most important employees from having to pay for lawsuits from business partners and clients due to management decisions of your directors and officers
Employment Practices Liability Insurance protection for rapidly increasing litigation alleging discrimination, sexual harassment, and wrongful termination
Fiduciary Liability Employee benefit plans such as 401(k) plans, help attract quality people to your business, and Johnson Insurance will help ensure that you are covered for claims that arise out of improper investments, insufficient funding, or breach of fiduciary responsibilities that can occur when these benefits are offered



  • articlesIt’s Open Enrollment Season: Let’s Up Your Game

    By Hugh Devlyn, Employee Benefits Sales Manager at Johnson Financial Group For many organizations, benefit open enrollment (“OE”) season is fast approaching. OE can be a stressful time for employees and seasoned HR professionals alike.

  • articlesSplit Point Experience Rating Formula Explained

    In the experience rating process, each loss is divided into a primary and excess portion. The first $16,500 of every loss is determined as a primary loss, with everything above that point considered an excess loss. In July 2011, the NCCI announced a proposal

  • articlesExperience Modification Factor Explained

    Your Experience Modification Factor can be explained as follows: The mod is a ratio of actual losses to expected losses over a 3 year period If your actual losses are more than expected, then your mod is over 1.0 If your actual losses are

  • articlesTemporary Worker and Joint Employment Webinar

    For insights into the pros and cons of temporary workers and joint employment, view a recording of our recent webinar held on March 12, or click here to find a Johnson Financial Group advisor near you. In this webinar we address: Human Resource perspectives

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