JKJ&H International


JKJ & H International is a joint venture that was founded in 2008 together with its German partner Dr. Friedrich E. Hörtkorn GmbH in Newtown, Pennsylvania to provide risk management services and advice to companies doing business both in Germany and the United States. We focus on four primary areas in our interactions with German-American businesses, which are: Coordination, Communication, Culture and Compliance solutions. Our employees are German and American nationals, who provide advice on the most effectively tailored and seamlessly coordinated global insurance solutions.

We apply our expertise to help our clients bridge the cultural gaps due to their unique individual backgrounds and an understanding of both countries’ market environments


  1. Our Team
  2. Our Partner
  3. Services
  4. News

Daniel Reck

Daniel Reck Vice President, International Services, JKJ&H


Daniel Reck is a certified insurance agent and financial assistant (Versicherungskaufmann / Finanzassistent) and has studied Business Administration at the University of Bamberg and the University of Applied Sciences of Heilbronn, Germany.
Before he began working with JKJ & H International in 2009 he was an associate with Dr. Friedrich E. Hörtkorn GmbH where he was part of the International Department. In this capacity he has handled client accounts across the world with focus on the coordination of International Insurance Programs and compliance.

Bruce F. WhiteBruce F. White Vice President, Insurance Services, CPCU, JKJ&H

Bruce F. White joined Johnson, Kendall & Johnson with a focus on the development and management of international clientele. Bruce graduated with a BS in Accounting from the Smeal College of Business at Penn State University. He came to JKJ after several years of commercial underwriting experience, and earned the designation of Chartered Property Casualty Underwriter in 2013 to complement his previous designations of an Associate in Commercial Underwriting and an Associate in Insurance Services. Bruce has been involved in a number of professional and community organizations, including: the German American Chamber of Commerce, Big Brothers Big Sisters of America, and the Penn State Alumni Association.

John WrightJohn Wright President, CPCU, CIC, JKJ&H

John Wright is President of JKJ & H International and has been with Johnson, Kendall & Johnson, Inc. since 1978. He graduated with a BA in Economics, with a specialty in Accounting, from Gettysburg College. Mr. Wright became a Principal of the firm in 1993 and is the President of JKJ Inc. and JKJ Benefits Inc.

He received the designation of Chartered Property and Casualty Underwriter in 1981 and the Certified Insurance Councilor program in 1998. Mr. Wright completed the Advanced Management Program at the Fuqua School of Business, Duke University in 1992.

Mr. Wright has acted as a lead consultant for Fortune 500 Corporations and multinational companies involving risk management design including feasibility studies for alternative funding programs and captives.

bio_sp_tfüttererTorsten Fütterer, Head of International Department, Dr. F. Hortkorn GmbH, Germany

Torsten Fütterer is a certified insurance manager (Versicherungskaufmann) and has studied Business Administration at the Leibnitz University of Hannover, Germany. With over 28 years of insurance experience, Torsten has been with Dr. Friedrich E. Hörtkorn GmbH since 2004 as head of the company’s International Department. Prior to joining Dr. Friedrich E. Hörtkorn GmbH, Torsten was with Chubb Insurance for 6 years where he was a casualty practice leader for Germany. He also spent 13 years with HDI (now HDI-Gerling) Insurance in various positions including their head office in Hannover/Germany.





Dr. F. E. Hörtkorn GmbH is one of the leading privately owned insurance brokerage firms in Germany. Since 1966 the company has been offering its clients tailor-made solutions in all lines of insurance ranging from Property & Casualty to customized specialty solutions for company leaders as well as for individuals. The service portfolio also consists Risk Management, Claims Consulting, Group Benefits, Financial Investments, Factoring and Credit Insurance.

With the company’s headquarters being located in Heilbronn and branch offices in Berlin, Chemnitz, Mannheim, Nuremberg, Karlsruhe and Stuttgart, Hörtkorn is highly accessible throughout Germany.

A team of more than 190 insurance and financial specialists ensures that clients get the best products available on the market. Being a member of the UNiBA Partners network, Hörtkorn has access to local partners in more than 130 countries in order to meet its clients’ insurance needs internationally.


* Coordination

  • We work with your team and outside brokers serving with your other operations to optimize the impact of your global insurance program
  • Every country has different insurance policy terms and conditions, we work to avoid duplicate coverage and maximize your coverage

* Communication

  • We conduct face to face meetings with parent and subsidiary entities
  • We build effective client engagement across borders
  • We recognize that reliance on email and video technology only can lead to errors in understanding the real issues
  • We work with you to eliminate misunderstandings between US and oversees entities

* Culture

  • We have committed time and resources to better understand other cultures
  • Through experience we understand and respect how people from different cultural backgrounds relate to issues in unique ways
  • Underestimating the impact of cultural disconnects can be disastrous in structuring international insurance programs
  • We recognize that Americans do not think, behave or process the same as people from other countries

* Compliance

  • We recognize that compliance is a major issue in cross border transactions
  • We are licensed and able to transact business in all 50 states, which is required by US law
  • We understand the impact of insurance premium tax (IPT) internationally and it how impacts the exposure to YOUR balance sheet
  • We have a team of experts on retainer to assist with tax compliance issues


  • Click Here to view JKJ as the featured company on the front cover of the German American Trade Magazine- Nov./Dec. 2013

International Presentations

  • Click Here for the International Presentation: Managing Global Risk Programs Presented by Daniel Reck, JKJ &H and Bruce F. White, JKJ
  • Click Here to view the Germany Seminar Series invitation (October 12 and 13)