Own a building, lease business space, or invest in Florida commercial real estate? I help you review building, contents, income, and liability options, with attention to wind coverage, roof terms, and hurricane deductibles.
Four short steps · No documents needed to start · Work directly with Derrick Brown
Your ownership role, building, and operations guide the coverage review. Tell me what you need protected so I can identify available markets.
Review protection for the building you own, your equipment and inventory, and income from your business operations.
If you lease space, review your contents, equipment, tenant improvements, income exposure, and any insurance requirements in your lease.
Review building protection, rental income, and liability options for leased commercial buildings and property portfolios.
Share the businesses and tenants at the location. The mix of uses can affect eligibility, coverage forms, and terms.
Describe storage, manufacturing, machinery, and other operations so I can review the appropriate markets and exposures.
Disclose vacancies, partial occupancy, and planned work. These changes can affect eligibility or require a different coverage program.
Start with the details you know. I’ll follow up where needed.
Complete Contact, Property, Coverage, and Review. Questions adapt to your ownership, occupancy, and state. Your request sends only after the final review.
You receive an email acknowledgment, plus a text if you opt in. I review your request during business hours and ask for any additional details or documents.
I explain available quotes, limits, deductibles, exclusions, and payment options so you can decide how to proceed. Timing depends on the risk and underwriting.
After submitting, you can print or save a PDF copy of your answers. Email supporting documents afterward.
Availability, terms, and limits vary by market and risk. I’ll explain what is included in each offered option and where separate coverage may be needed.
An eligible small business may qualify for a business owners policy combining property, liability, and income coverages. Other buildings and operations may need a commercial package or separate policies.
Eligibility and the coverages actually included must be confirmed for your specific property and business.
Do not assume a property policy covers every water-related loss. I’ll review flood, water backup, exclusions, and sublimits separately from wind or hurricane protection.
The premium is one part of the decision. These details help you assess how the offered policy could respond to a loss.
Confirm whether wind is included, excluded, limited, or handled by a separate policy. Terms depend on the building, location, and market.
Review the deductible in dollars and how any stated percentage is applied. The policy determines its basis, trigger, and treatment of multiple locations.
Check replacement cost, actual cash value, payment schedules, and restrictions. Existing roof or inspection reports can help document the property.
Do not assume hurricane or wind coverage includes flood or storm surge. Review separate flood needs, water damage limits, and available backup options.
Review rebuilding cost, valuation, coinsurance, and ordinance or law options, including applicable limits and exclusions.
Review income coverage and restoration terms, vacancy or renovation restrictions, and any qualifying mitigation features or reports.
I’m the founder of Pinnacle Risk Advisors, an independent agency based in Atlanta and licensed in Florida. I review your request, shop available markets, and help you compare the terms offered.
Call (770) 758-3197 or email dbrown@pinnacleriskad.com.
Have your contact and business or ownership details, property address, state, operations, occupancy, construction, roof age if known, coverage needs, and insurance history ready. Use Not sure where available. No documents are required to begin.
A building owner’s policy should not be assumed to cover a tenant’s equipment, inventory, improvements, or lost business income. Tell me what you lease and your lease requirements so I can review your needs.
Not automatically. A qualifying business owners policy or package may combine property and liability coverages. I’ll review whether liability is included or needs a separate policy.
No. Business income and rental income coverage depend on the policy’s covered-loss triggers, limits, waiting periods, restoration provisions, and exclusions. I’ll review the terms offered for your operations.
Yes. Disclose current occupancy and describe the work, contractor, and expected completion. The available program and any coverage restrictions depend on the property and market.
Do not assume it does. Wind damage and flooding are different exposures. Separate flood coverage may be needed; actual policy terms determine protection.
You’ll receive an acknowledgment email, plus a confirmation text if you opt in. I review requests during business hours and follow up about available markets or additional information. Quote timing depends on underwriting.
Yes. After submitting, use Print / Save PDF on the confirmation page. Select Save as PDF or your printer in the browser’s print window. Save your copy before leaving the page.
No. This is a quote request. Coverage requires underwriting approval and confirmation that it has been bound before it takes effect.
Independent commercial insurance for landlords, truckers, and business owners across Georgia and Florida.
2700 Cumberland Pkwy SE, Atlanta, GA 30339