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Your Risk Deserves a Strategist, Not Just a Policy.

4J Insurance Agency audits your actual exposure, closes the gaps your current broker missed, and designs programs built around your operational reality — not last year's renewal.

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Veteran-Owned · Independent Brokerage · Serving Texas & Oklahoma · Radical Client Advocacy · Frisco, TX

Our Mission

Protect the companies that build Texas.

How? By asking harder questions up front, explaining what your policy actually says, and never rubber-stamping a renewal.

4J Insurance Brokerage exists because Deon R. Williams spent his career on the other side of the claim — first as a claims adjuster, then as an SIU investigator, then as a Farmers agency owner. He watched coverage gaps surface only after the loss, when it was too late to fix them. 4J was founded so Texas and Oklahoma businesses get clear, straight answers about their coverage before they sign.

Deon R. Williams, M.Jurs, REBC, CLCS, AIC, AINS

Founder & Principal Broker · Master of Jurisprudence in Risk Management, Texas A&M School of Law

Claims Adjuster → SIU Investigator → Agency Owner → Founder of 4J

Meet the founder →

Carrier & Market Access

Liberty Mutual  ·  Progressive  ·  CNA  ·  Burns & Wilcox  ·  and more

Direct carrier appointments plus wholesale & E&S market access — your risk gets shopped across the market, not one carrier's shelf.

Our Services

Comprehensive Commercial Insurance Solutions for Texas Businesses

Commercial Risk Advisory & Insurance Program Design

Comprehensive risk audits that assess your actual exposures, identify coverage gaps, and structure programs aligned with your operations

Explore Commercial Coverage

Group Health Insurance Consulting & Brokerage

Tailored group health plans designed for your workforce with expert guidance on compliance, cost control, and funding strategies

Explore Group Health Plans

Surety Bonds & Compliance Support

Fast, reliable surety bond placement with proper structure to maintain project continuity and avoid delays

Explore Surety Bonds
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Real-World Recovery from Funds Transfer Fraud

When a client received a spoofed email requesting a wire transfer, we had already verified social engineering endorsement coverage. They recovered the full amount in seven days.

Request Cyber Audit
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Comprehensive Coverage Areas for Texas Businesses

We audit your actual risk exposure across commercial liability, cyber threats, group health plans, and surety bonds—then engineer coverage that closes gaps before losses occur.

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Why Choose an Independent Advisory Partner

As an independent brokerage, we access multiple carriers to match your specific needs—not ours. We audit real exposure and provide ongoing advisory support year-round.

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Is 4J an insurance broker or a captive agent?

4J is an independent commercial insurance brokerage. We hold direct carrier appointments plus wholesale and E&S market access, so your risk is shopped across the market rather than fit to one carrier's shelf.

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; verifying it in advance is what let one 4J client recover a full fraudulent wire in seven days.

How is a commercial insurance broker different from a captive agent or buying direct?

A captive agent or direct writer offers one company's products. As an independent broker, 4J represents you, not a carrier — we compare coverage language, limits, and pricing across multiple markets and advise on the tradeoffs.

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.

100%
Advisory-First Coverage Audits
7 Days
Funds Transfer Fraud Recovery
TX & OK
Home Markets — Built for Texas & Oklahoma Businesses

Ready to Audit Your Coverage?

Schedule a Strategy Call