.png?width=500&height=136&name=4J%20commercial%20insurance%20broker%5B1%5D%20(1).png)
Founder & Principal Broker · 4J Insurance Agency
Deon R. Williams
- Former claims adjuster & SIU fraud investigator — reads every policy from the claim backward
- M.Jur. in Risk Management (Texas A&M School of Law), plus REBC, CLCS, AIC & AINS designations
- Founder of 4J — an independent, veteran-owned commercial brokerage in Frisco, Texas
Experience built from inside the claim file
- Claims adjuster — settled real losses, reading policy language against the actual claim
- SIU investigator — worked suspicious and complex claims, including fraud
- Captive agency owner, then founder of independent 4J — advocacy over one carrier's shelf
- Reviews policies the way they're read at loss time: limits, deductibles, exclusions, endorsements
- Credentials: M.Jur. in Risk Management (Texas A&M), REBC, CLCS, AIC & AINS
Credentials that back the advice
Who is Deon R. Williams?
Deon R. Williams is the founder and principal broker of 4J Insurance Agency, a veteran-owned commercial brokerage in Frisco, Texas. He built his practice from the claims side of the industry — first as a claims adjuster, then as an SIU investigator, then as an agency owner. He is a loving husband to Christina JOY, and father of five beautiful children; his three eldest Lindsey, Kendyll, and Chelsea JONES, his son JOHN, and daughter Harper JUNE...his 4Js!
What is Deon's background before founding 4J?
He worked as a claims adjuster settling real losses, then as a Special Investigations Unit (SIU) investigator handling suspicious and complex claims including fraud, and ran a captive agency before founding 4J as an independent brokerage.
What education and designations does Deon hold?
A Master of Jurisprudence (M.Jur.) in Risk Management from Texas A&M University School of Law, plus the REBC, CLCS, AIC, and AINS professional designations.
What does Deon specialize in?
Commercial risk advisory and coverage-gap audits — general liability, commercial property, cyber and social-engineering fraud, surety bonds, and group health benefits for Texas and Oklahoma businesses.
Why did Deon build 4J as an independent brokerage?
After running a captive agency, he founded 4J as an independent brokerage so he could shop the whole market and advocate for the client rather than one carrier's shelf.
How can I work with Deon?
Start with a free coverage-gap review. Call (469) 756-8776 or reach out through the contact page, and Deon and the 4J team will review your current coverage line-by-line before you sign.
