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Before the call
Nothing to send in advance. Keep your policy, renewal, or benefits summary nearby if available. We can start with your question and what is changing.
Talk through your next insurance decision
A 30-minute conversation with a licensed 4J broker about a commercial coverage question, an upcoming renewal, or your employee benefits program. Tell us what changed and what you want to understand. We will help you see the options and a clear next step.
Bring your current policy or renewal if it is handy. If not, we can start with your business, your team, and the decision in front of you. There is no obligation to change brokers.
What to expect
What happens on the call
On the call
In 30 minutes, we will discuss your current coverage or benefits program, what changed, and the decision ahead. We will identify questions worth answering before you commit to a next step.
After the call
A short written summary of what we discussed. What you do with it is up to you. There is no obligation and no change to your current coverage.
Frequently asked questions
What happens on the call?
We talk through your operation, the coverage you carry today, and where your program may be exposed. About twenty minutes. No presentation and no obligation.
Is there a cost?
No. The call is free and there is no obligation to move any coverage. We offer it because it is the fastest way for both of us to find out whether your current program has gaps worth fixing.
Do I have to change brokers or carriers?
No. Nothing about the call touches your current coverage, and you decide what to do with anything we find. Many owners use it as a second opinion before renewal or after a big change such as a new contract, a new location, or a hire.
What should I have ready?
Your current declarations pages are ideal. If the paperwork is hard to find, your carrier names and renewal dates are enough to start.
When is the best time to book?
The 60 to 90 days before your renewal is the sweet spot. There is time to fix gaps and take your account to market if the numbers justify it. That said, a gap found today is always better than a gap found at claim time.
Who reviews my policies?
Deon R. Williams, founder of 4J Insurance Brokerage. Before becoming a broker he worked as a claims adjuster and a Special Investigations Unit investigator, and he holds a Master of Legal Studies in Risk Management & Compliance from Texas A&M School of Law, which is a law degree for non-attorneys. He reads policies the way carriers read them when a claim arrives.
What happens after the call?
We send a short written summary of what we discussed, in plain language. If you want 4J to act on any of it, we will tell you exactly how. If you would rather take it to your current broker, that is fine too.
Pick a time that works
Choose a 30-minute slot below. Your calendar invitation will include a Google Meet link. Tell us what would make the conversation most useful to you.