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General Liability
Protection when your business is blamed for bodily injury or property damage. The foundation of most commercial insurance programs.
Commercial insurance built around how claims actually get paid
4J Insurance Brokerage is a veteran owned commercial brokerage in Frisco, Texas. We are advisory first: we audit coverage before we quote it, so your program is built on what your policies actually say.
Industry matters as much as coverage line. If you own or manage real estate, our property management and real estate portfolio programs address the exposures that come with buildings, tenants, vendors and management agreements.
Manufacturers face a different problem again: the largest loss is usually the product that already shipped. Our manufacturing and industrial programs address products-completed operations, equipment breakdown and business interruption together rather than as separate purchases.
Coverage we place today
Cyber Liability
Coverage for data breaches, ransomware, and funds transfer fraud, including the social engineering endorsements many policies leave out.
Surety Bonds
Bid, performance, payment, and license bonds for contractors and businesses that need to guarantee a contract or meet a state requirement.
We read the fine print of your policy, because that is how coverage is tested when it matters!!
More coverage lines we arrange
Commercial Property
Buildings, equipment, and business income coverage for the property your operation depends on, including wind and hail deductible review for Texas weather.
Workers' Compensation
Coverage for work related injuries plus experience modifier review and payroll classification checks that keep your premium in line with your actual operations.
Professional Liability
Errors and omissions protection for firms whose advice or services can be blamed for a client loss, from consultants to design professionals.
Not sure where your coverage stands?
A free Coverage Audit shows you what your current policies cover, what they miss, and what to ask for at renewal. No cost, no obligation, and no change to your current coverage.