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Talk to a Broker
You know what you need and want to discuss the risk, renewal, or program.
Your Risk Deserves a Strategist, Not Just a Policy.
Independent leadership. Institutional reach. Commercial insurance and employee benefits built around your business, with direct accountability from 4J and broader market resources through our affiliation with Premier Group Insurance. We review your exposures, explain the tradeoffs, and help you make confident coverage decisions.
Veteran-Owned · Independent Brokerage · Frisco, TX
Insurance advice grounded in claims experience.
Founder Deon R. Williams brings a background in claims adjusting and insurance investigations to 4J. That perspective shapes our advice: Identify the coverage questions before a loss puts them to the test.
For larger and more complex programs, 4J draws on the broader carrier relationships and specialized resources available through Premier Group Insurance, while remaining your broker and primary point of accountability.
Meet our founder → · Institutional & complex risk → · Explore our Texas and Oklahoma service areas →
Commercial coverage for your business.
The right program depends on where the loss can occur, what the contract requires, and which policy is expected to answer.
- General Liability
Contracts often turn on limits, additional insured status, and policy wording that is easy to misread. - Workers' Compensation
Class codes, payroll, and experience modification can materially change what you pay. - Commercial Auto & Fleet
Owned, hired, and non-owned vehicles create different coverage questions inside the same fleet program. - Cyber Liability
Social engineering losses can turn on an endorsement that may be excluded from the base policy. - Surety Bonds
Bonding capacity depends on financial strength, experience, and the obligation behind the bid.
Your industry changes the risk.
The same coverage behaves differently when contracts, assets, employees, and operations change.
- Manufacturing
Products, equipment, supply chains, and operational technology shape the insurance program. - Construction & Contractors
Contracts, workers' compensation, auto, additional insured requirements, and bonding meet on the same job. - Property Management
Managing property for others adds contractual and association exposures to the insurance program. - Professional Services
Client contracts, professional liability, cyber, and management liability can outweigh premises risk.
Employee benefits that support your workforce.
Plan design, funding, compliance, and contribution strategy should be evaluated together, not one renewal line at a time.
- Group Health Insurance
Evaluate plan designs, provider networks, and employee contributions against your workforce needs. - ACA Compliance
Work through ALE status, affordability, safe harbors, and reporting before the renewal forces the issue. - Funding Strategy
See how funding structure changes claims risk, cash flow, data access, and stop-loss considerations.
Choose your next step.
Request a Coverage Audit
You want a second opinion on a commercial insurance program before renewal.
Request a Group Health Renewal Review
You have a group health renewal and want another set of eyes before you sign.
Tools to check the numbers.
Use 4J's calculators and reference tools to check the numbers, understand the terminology, and identify what needs a closer review.
- Check ALE Status
Estimate whether your workforce may place your organization within ACA Applicable Large Employer rules. - Test 2027 ACA Affordability
Check employee contribution levels against the 2027 ACA affordability threshold. - Use the Commercial Insurance Glossary
Clarify coverage terms, endorsements, and policy language before a coverage review.
Latest insights.
Selected 4J guidance across commercial liability, surety, and employee benefits.
He saved us over $1,000 a month on both auto and health insurance. He is quick to resolve any issues and I would highly recommend him.
Deon answered all my questions, then his recommendations fit perfectly. He is honest, professional and friendly. 5 stars is not enough.
His knowledge and expertise, and more importantly his patience, are second to no one. He saved us over $2k in auto insurance while adding another teenager.
Is 4J an insurance broker or a captive agent?
4J is an independent brokerage. We compare coverage, pricing, and tradeoffs through direct carrier appointments and wholesale and E&S relationships, rather than offering a single insurer's products.
What does a 4J coverage-gap audit include?
We assess your actual operational exposures, compare them line-by-line against your current policies' limits, deductibles, exclusions, and endorsements, and identify the gaps that would surface at claim time — before you sign.
Does 4J write coverage in Oklahoma as well as Texas?
Yes. 4J is licensed in both states (TX Agency License #2911773, OK Agency License #3003920647) and treats Texas and Oklahoma as home markets.
What is social-engineering or funds-transfer fraud coverage?
It is a cyber/crime endorsement that covers losses when an employee is tricked into wiring funds to a fraudster. It is frequently excluded from base policies, so we confirm whether it is in place before it is needed rather than after. Every claim turns on its own facts, policy wording and carrier, so outcomes may differ.
What group health funding options can 4J help a Texas employer evaluate?
We help employers compare fully insured, level-funded, and alternative funding approaches alongside ACA compliance and cost-control strategy — including an ACA compliance check — so the plan fits the workforce and the budget.
What is the difference between general liability and professional liability?
General liability covers third-party bodily injury and property damage arising from your operations; professional liability (E&O) covers claims that your professional advice or service caused a financial loss. Many businesses need both.