Commercial Insurance Broker Serving Texas & Ok
4J Insurance Agency is an independent insurance brokerage serving Texas and Oklahoma employers who require disciplined risk strategy. These employers also require regulatory awareness and long-term program stability. As a leading Commercial Insurance Broker Texas businesses trust, we partner with organizations that view insurance not as a commodity. Instead, they see it as critical operational infrastructure.
Our Advisory Philosophy
Too often, businesses approach insurance as a transactional purchase renewed once a year. We reject that model. At 4J Insurance Agency, we treat insurance programs as structured risk frameworks. In fact, we design them to support operational continuity, contractual alignment, and long-term financial stability.
Our role is not simply to “quote coverage.” We also evaluate exposure, analyze underwriting alignment, and design programs that evolve alongside the organizations we serve.
What Sets 4J Insurance Agency Apart
Clarity of strategy and the alignment of coverage with operational reality define true insurance advisory. Ultimately, our approach reflects that high standard.
- We provide an independent brokerage with multi-carrier market access
- Our team performs analytical underwriting alignment, not template quoting
- We focus on contractual and compliance-aware program design
- We conduct structured renewal review and risk reassessment
- Our firm builds long-term advisory relationships, not one-time transactions
Who We Serve
We work with employers, municipalities, nonprofit organizations, and professional service firms. Specifically, we serve those operating in environments where insurance decisions affect regulatory compliance, contractual performance, and workforce stability.
Our clients value disciplined evaluation and clear communication. Furthermore, they prioritize coverage structures that align with operational reality. They do not simply value the lowest quoted premium.
Leadership
Deon R. Williams founded 4J Insurance Agency with a commitment to disciplined risk strategy. His professional background spans multiple facets of the insurance industry. For example, he served as a claims adjuster handling auto and homeowners losses. Additionally, he worked as a Special Investigator within a major carrier’s Special Investigations Unit (SIU).
This experience on the carrier side – particularly in claims analysis and investigative review – informs 4J’s structured approach to coverage design. Insurance programs are evaluated not only for placement. They are also evaluated for how they are likely to respond under real-world claims scrutiny.
Prior to founding 4J Insurance Agency, Deon owned and operated a Farmers Insurance franchise. There, he developed operational insight into agency leadership, underwriting performance, and client advisory relationships. He was later selected to join a nationally recognized top-40 independent insurance brokerage platform. This expanded carrier access and strategic market leverage.
Deon holds a Master of Jurisprudence from Texas A&M School of Law with a concentration in Risk Management. This academic foundation is combined with practical carrier-side experience. As a result, it shapes the firm’s methodical evaluation of underwriting alignment, contractual exposure, and regulatory considerations.
Let’s Build a Stronger Risk Foundation
Insurance decisions influence operational stability, contractual eligibility, workforce continuity, and long-term financial performance. Our advisory process begins with disciplined evaluation and structured conversation – not a generic quote.
Whether reviewing group health strategy, liability exposure, cyber risk, or workers’ compensation, 4J Insurance Agency partners with organizations seeking clarity, precision, and sustainable program design.