Legal & Licensing Disclosures

Last updated: July 13, 2026

Licensing

4J Insurance Brokerage is a licensed insurance agency.

• Texas — Agency License #2911773
• Oklahoma — Agency License #3003920647

We are additionally licensed in Alabama, Arkansas, California, Florida, Kansas, Louisiana, Maryland, Michigan, Nevada, Ohio, and Virginia.

Deon R. Williams, M.Jurs, 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 Jurisprudence in Risk Management, 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.

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