About Fredrick Insurance Brokers · DFW & NORTH TEXAS

We’re not just brokers.
We’re your neighbors.

Fredrick Insurance Brokers is a family-owned, independent agency based in Denton, TX. For over 20 years, Katherine Clark and her son John Fredrick have helped Texas families, individuals, and small businesses find insurance that actually works — explained in plain English, with zero pressure and zero broker fees.

Get a Free Quote (972) 375-0507
Katherine Clark and John Fredrick, owners and independent insurance brokers at Fredrick Insurance Brokers in Denton, Texas
  • 20+ Years serving Texas
  • 50+ Carriers compared
  • $0 Broker fee — always
  • 5.0 Google rating
Katherine Clark, founder of Fredrick Insurance Brokers

Our story

Built from the belief that insurance should never be confusing.

Fredrick Insurance Brokers started with a simple frustration: insurance had become too complicated, too corporate, and too disconnected from the real people it was supposed to protect. Katherine Clark saw families in Denton confused, overcharged, or stuck in plans that didn’t fit their lives — and she decided to do something about it.

As an independent broker, Katherine could work for her clients instead of working for a carrier. She could shop dozens of plans, explain every detail in plain language, and stay with her clients long after enrollment. Her son John joined the agency, bringing that same commitment to a new generation of Texas families.

Our family is as good as what we give back to our neighbors. That is safety. That is health. That is peace of mind.
Katherine Clark Owner & Founder

Family-owned since 2004, Fredrick Insurance Brokers today serves individuals, families, small business owners, self-employed professionals, and Texas teachers across Denton County and all of North Texas — with the same personal touch that started it all.

Why clients choose us

Five things that set us apart from every other agency.

We believe the right insurance agency should feel less like a sales office and more like a trusted friend who happens to know everything about coverage.

  • Truly independent guidance

    We don’t work for any single carrier. We work for you. That means we compare 50+ plans and recommend only what’s genuinely best for your situation — not what pays us the highest commission.

  • Personalized, not generic

    No two families are the same. We take the time to understand your health history, your budget, your lifestyle, and your priorities — then we build a plan around you, not the other way around.

  • Education first, always

    We don’t push you toward a decision. We explain your options in plain English — deductibles, co-pays, networks, exclusions — until you feel genuinely confident. Informed clients make better choices.

  • Long-term partnership

    We don’t disappear after enrollment. We’re here for claims questions, policy changes, annual reviews, and renewals. You call, we answer. That’s a promise — not a tagline.

  • Zero broker fees — period

    Our compensation comes from carriers, not from your wallet. You never pay us a single dollar above your premium. Expert guidance, honest advice, and full service — completely free to you.

Who we help

If you live in Texas, we can help you.

We serve a wide range of clients across Denton, Lewisville, Flower Mound, Argyle, Highland Village, and all of North Texas.

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  • Families & individuals
  • Self-employed & 1099
  • Small business owners
  • Texas teachers & educators
  • Job changers & life transitions
  • People confused by insurance

Our mission

To guide every Texan we serve toward
health, prosperity and peace of mind.

Through honest advice, personal service, and the kind of long-term care that turns a client into a neighbor for life. We believe every family deserves access to quality healthcare coverage, explained clearly and chosen freely — without pressure, hidden fees, or one-size-fits-all answers.

  • Honesty
  • Independence
  • Education
  • Long-term care
  • Community
  • Zero pressure

Meet the team

The people behind your coverage.

When you call Fredrick Insurance, you speak with Katherine or John — not a call center, not an automated system. Always a real person who knows your name.

Katherine Clark, Owner and Independent Insurance Broker

Katherine Clark

Owner & Independent Insurance Broker

Katherine founded Fredrick Insurance Brokers with a clear belief: that every family in Denton deserves access to honest, expert insurance guidance — not corporate sales tactics. With more than 20 years of experience, she has helped thousands of Texas clients navigate the complexities of health, dental, life, and group insurance. Her approach is simple: listen first, recommend second, and always put the client’s best interest above everything else.

Outside the office, Katherine is deeply rooted in the Denton community — which is precisely why she built an agency that serves it. She knows her clients by name, follows up on their claims, and celebrates when she saves them money.

John Fredrick, Owner and Independent Insurance Broker

John Fredrick

Owner & Independent Insurance Broker

John grew up watching his mother help Denton families find coverage they could actually afford and understand. That experience shaped everything about how he works today. As a broker specializing in small business and group insurance, John helps Denton County employers build benefit packages that attract great employees — without the overwhelming complexity that typically comes with it.

Raised in Texas, John brings genuine local knowledge and a direct, no-nonsense communication style to every client conversation. He handles enrollment, compliance, annual renewals, and everything in between — so business owners can focus on running their companies.

What makes us different

We do things the way it should be done.

  • Human-first approach

    You’re not a policy number. Every conversation starts with listening to you — your life, your concerns, your budget — before we ever mention a plan name.

  • Education before decision

    We make sure you understand exactly what you’re signing up for. No jargon, no fine print surprises, no regret. Confidence comes from understanding.

  • Long-term partnership

    Enrollment is the beginning, not the end. Claims, renewals, policy changes, new family members — we’re here through all of it, year after year.

  • Personalized at every step

    Cookie-cutter plans don’t fit real lives. We build coverage around your unique situation — from your health history to your household budget to your preferred doctors.

Our process

Three simple steps to better coverage.

We’ve made it as easy as possible to go from confused to covered — on your schedule, at your pace.

  1. Free consultation

    We start with a focused, no-pressure call. You tell us about your situation — we listen. No forms, no sales pitch. Just a real conversation with a real person who knows insurance inside out.

  2. Compare your options

    We search 50+ carriers and present your best options side by side — in plain English. You see the differences, the costs, and the trade-offs so you can make a genuinely informed decision.

  3. Ongoing support

    After enrollment, we stay by your side. Claims help, annual reviews, policy updates, adding dependents — we handle the details so you can focus on your life, not your insurance.

Brokerage vs. other options

Why an independent broker beats going it alone.

Comparison of a captive agent or 1-800 number against an independent broker
What you get Captive agent / 1-800 Fredrick Insurance
Access to multiple carriersOne carrier only50+ carriers compared
Unbiased recommendationCarrier-drivenAlways client-first
Post-enrollment supportCall center, hold timesSame person, direct line
Claims assistanceYou’re on your ownWe advocate for you
Annual renewal reviewAuto-renew, no reviewProactive review each year
Cost to youSame premium, less helpSame premium, full service

Book a free consultation

Pick a time that works for you.

No waiting on hold. No back-and-forth emails. Just choose a time slot below and we’ll be ready — on time, prepared, and focused entirely on your needs.

  • Free consultation — no obligation
  • 20–30 minutes, phone or video
  • Zero broker fees, always
  • Mon–Fri 9AM–5PM CT

Client stories

Trusted by families across North Texas.

Don’t take our word for it — read what real Denton-area clients have to say.

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Common questions

Answers before you even have to ask.

Does using a broker cost me more than going directly to a carrier?

No — never. Brokers are compensated by insurance carriers, not by clients. You pay exactly the same premium whether you buy direct or through us. The only difference is that with us, you get personalized plan comparison, expert guidance, and ongoing support at zero extra cost to you.

What makes Fredrick Insurance different from other agencies?

We’re genuinely independent — we don’t favor any carrier. We compare 50+ plans, explain every option in plain English, and stay with you long after enrollment. Most agencies disappear after the sale. We don’t. You get Katherine or John’s direct line — not a call center.

What types of insurance do you offer?

We specialize in health insurance, dental insurance, group insurance benefits, small business coverage, life insurance, income replacement (disability), and teacher-specific plans that supplement TRS coverage. We serve individuals, families, self-employed professionals, and employers across North Texas.

Do you help with claims if something goes wrong?

Absolutely. Claims assistance is one of the most important things we offer. If you receive a confusing bill, need help reporting a claim, or face a dispute with your carrier — you call us. We navigate the process with you and advocate on your behalf. You should never have to fight your insurance company alone.

Which areas of Texas do you serve?

We’re based in Denton, TX and proudly serve all of North Texas — including Lewisville, Flower Mound, Argyle, Highland Village, Corinth, Lake Dallas, Krum, Sanger, Pilot Point, and surrounding communities. We also work with clients throughout the Dallas-Fort Worth metro area.

Let’s talk

Your coverage journey
starts with one conversation.

Whether you’re just starting to look, switching plans, or frustrated with your current coverage — we’d love to help. No pressure, no obligations. Just honest advice from a team that genuinely cares about your family’s health and financial security.

Get a Free Quote (972) 375-0507

Fredrick Insurance Brokers is an independent licensed insurance agency serving Denton, TX and all of North Texas. Licensed by the Texas Department of Insurance. Insurance products and availability vary by state and individual circumstances. This page does not represent all available Qualified Health Plan options. To review all available ACA marketplace plans, visit HealthCare.gov.

Independent, family-owned health insurance agency serving Denton, TX and all of North Texas. Katherine Clark & John Fredrick work in the best interest of their clients, not the carriers.

502 W Oak St STE 102A, Denton, TX 76201

(972) 375-0507

Monday – Friday · 9:00 AM – 5:00 PM

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"Built on trust, driven by care, and focused on protecting families for the long run"

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