L4 Insurance Services
L4 Consultants, L.L.C. includes a dedicated insurance agency operating within its broader consulting framework. Through L4 Insurance Agency, clients receive personalized guidance across Property & Casualty, Life, and Health insurance solutions designed to support both personal and business risk strategies. Our insurance services are led by licensed agent Israel Ledesma, providing direct access to informed, client-focused coverage solutions. Learn more at L4Insurance.com.
As a licensed insurance agent, my role is to help clients navigate today’s risks while preparing for tomorrow’s opportunities. Through L4 Insurance Services, I work closely with individuals, families, and business owners to identify coverage solutions that align with both immediate needs and long-term goals. Insurance is not just about policies; it’s about strategy, protection, and peace of mind.
My commitment as an insurance agent is to always act in the best interest of my clients, addressing both their immediate needs and long-term goals.
Property & Casualty
Our Property & Casualty services address risk exposure related to physical assets, liability, and operations. This includes personal lines such as homeowners, renters, auto, and umbrella coverage, as well as commercial lines such as commercial property, general liability, business owner policies (BOP), workers’ compensation, and specialty coverage. These solutions are designed to protect against loss, liability, and operational disruption.
Health
Health insurance services are offered for individuals and families.
Personal Health Insurance focuses on individual and family coverage options designed to support healthcare access, financial protection, and personal well-being.
Commerical
Risk Assessment & Coverage Strategy
L4 Commercial Insurance Services provides risk-focused insurance solutions designed to protect business operations, assets, and long-term viability. We work with business owners, investors, and organizations to assess exposure, structure appropriate coverage, and support informed insurance decisions aligned with operational and regulatory requirements.
Life
L4 provides life insurance guidance to support income protection, estate planning, and long-term financial goals. Life insurance solutions are structured to help individuals and families plan for the future, protect dependents, and create financial continuity through appropriate coverage selection.
Group Health
Health insurance services are offered employers and organizations.
Group Health Insurance supports businesses and organizations in designing benefit plans that attract talent, manage costs, and meet regulatory requirements.
Professional
Coverage Solutions & Integrated Risk Management
Our commercial offerings include coverage for commercial property, general liability, business owner policies (BOP), professional liability, workers’ compensation, cyber liability, commercial auto, and specialty risk exposures. Each solution is evaluated in the context of the client’s industry, scale, and risk profile to ensure coverage aligns with real-world operations.
