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Legal & Licensing Disclosures
Last updated: July 13, 2026
Licensing
4J Insurance Brokerage is a licensed in multiple states including Texas & Oklahoma.
- Texas — Agency License #2911773
- Oklahoma — Agency License #3003920647
We are additionally licensed in multiple states including Texas & Oklahoma.
Deon R. Williams, MLS, REBC, CLCS, AIC, AINS — Founder & Principal Broker.
We only transact insurance business in states where 4J and the responsible producer hold an active license. If you are outside our licensed footprint, tell us and we will refer you to someone who can help.
This site is education, not a contract
Everything on this website — including coverage descriptions, blog posts, guides, and examples — is general insurance education. It is not a contract of insurance, not an offer to bind coverage, and not a substitute for reading your policy.
Coverage is governed solely by the terms, conditions, limits, exclusions, and endorsements of the policy actually issued to you. Where anything on this site conflicts with your policy, the policy controls. Nothing here amends, extends, or alters coverage.
No coverage is bound through this website
Submitting a form, sending an email, or requesting a quote does not bind, alter, or cancel coverage. Coverage is bound only when a licensed 4J producer confirms it to you in writing and the carrier accepts the risk. If you need coverage bound by a specific date or time, call us at (469) 756-8776 and get written confirmation.
Claims examples
Where we describe a client outcome — such as recovery from a funds-transfer fraud loss — we are describing a specific, real situation with its own facts, policy language, and endorsements. Past results do not guarantee future outcomes. Whether any given loss is covered depends on your policy and the facts of your claim.
Not legal, tax, or accounting advice
4J is an insurance brokerage. Nothing on this site is legal, tax, or accounting advice. Deon R. Williams holds a Master of Legal Studies in Risk Management & Compliance, which informs how we read policies — it does not make us your attorney and does not create an attorney-client relationship. Consult your own lawyer or CPA for legal or tax questions, including questions about ACA compliance, ERISA, or tax credits.
Carrier relationships
4J is an independent brokerage. We hold direct appointments with carriers including Liberty Mutual, Progressive, and CNA, and we access surplus lines and E&S markets through wholesale partners such as Burns & Wilcox. We are compensated by commission paid by the carrier that issues your policy, and we may receive contingent or bonus compensation based on the volume, profitability, or retention of business placed with a carrier. We will disclose our compensation on request — just ask.
Being independent means we shop your risk across the market rather than defaulting to one carrier's shelf. It does not mean we have access to every carrier in existence.
Third-party links and content
Our site may link to third-party websites, including carrier portals, payment pages, and review platforms. We do not control them and are not responsible for their content, security, or privacy practices.
How we use artificial intelligence
Artificial intelligence, or AI, is software that can read, summarize, and draft. We use it at 4J the way we use a spreadsheet or a rating tool: to move faster on the routine parts of the work so a licensed person can spend their time on judgment. We think you should know where it shows up, and, more importantly, where it does not.
Where AI shows up
On this website. When you click a button such as “Request a Risk Review,” our site tries to understand what you are asking for so it can show you the right form instead of a generic one. It also records things like which page you came from and which coverages you selected, and it assigns an internal priority score so we can respond to urgent requests first. That score is an internal work-routing tool. It does not affect your price, your eligibility, or whether we will work with you.
In our tools. Our online tools, such as the Employer Mandate Readiness Screen, run calculations from published federal figures and from the numbers you enter. They give you an estimate to think with. They are not a determination, a filing, or advice.
In chat. If a chat window is open on this site, part of the conversation may be handled with automated help so you can get a fast answer outside business hours. You can ask for a person at any point and we will get you one.
In what we write. We may use AI to help draft, edit, or research articles, guides, glossaries, emails, and proposals. A licensed member of our team reviews anything we publish or send you.
Behind the scenes. We may use AI to summarize documents, organize records, and prepare submissions to carriers. Client documents you send us are handled under our Privacy Policy and are not used to train any outside AI system.
What AI does not do at 4J
This list is the important part.
- AI does not bind, change, or cancel coverage. Coverage is bound only when a licensed 4J producer confirms it to you in writing and the carrier accepts the risk. Nothing an automated tool or chat window tells you changes that.
- AI does not decide your claim. Claims are handled by your carrier and its adjusters, with 4J advocating on your behalf.
- AI does not underwrite you or set your premium. Carriers do that.
- AI does not give you legal, tax, or accounting advice. Neither do we.
- AI does not replace your licensed broker. A licensed person is accountable for every recommendation we make to you.
A person reviews the work
We treat AI output as a first draft, never as a final answer. A licensed member of our team reviews recommendations, proposals, coverage comparisons, and published content before it reaches you. If you would prefer that we not use automated help on your account at all, tell us and we will note it on your file.
What we collect, and what happens to it
When you use this site we may collect the information you enter into a form, the pages you visit, the buttons you click, how you found us, and general device information. We use it to route your request to the right person and to understand what is working on the site. We may also record an internal priority score, as described above.
If you upload a policy document, that file goes into a private area of our customer relationship management (CRM) system. It is scanned for malware. It is not published, not made public, and not shared outside 4J except as needed to service your account, such as with a carrier or wholesaler working on your behalf.
We do not sell your personal information. We do not allow outside AI companies to train their systems on your data. Our full Privacy Policy governs everything in this section.
Accuracy, and what to do if something looks wrong
AI can be confidently wrong. So can people. Where anything on this site, in a tool, in a chat, or in a document we send you conflicts with the policy actually issued to you, the policy controls. Figures such as federal affordability thresholds and state benefit maximums change, and our pages may lag a change by a short period.
If something we sent you looks incorrect, please tell us. We would rather fix it than have you rely on it.
Talk to a person
You can always reach a licensed member of our team.
Phone: (469) 756-8776
Email: intake@4jinsurance.com
Changes to this section
We may update this disclosure as our tools change. The “Last updated” date at the top of this page tells you when we last revised it.
Intellectual property
The content, design, logos, and marks on this site are the property of 4J Insurance Brokerage unless otherwise noted, and may not be reproduced without permission.
Accessibility
We want this site usable by everyone. If you hit an accessibility barrier, email info@4jinsurance.com or call (469) 756-8776 and we will fix it and get you the information you need.
Governing law
These terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules.
Contact
4J Insurance Brokerage
2591 Dallas Pkwy, Suite 300
Frisco, TX 75034
Phone: (469) 756-8776
Email: info@4jinsurance.com