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Commercial Insurance Agency

Commercial Insurance for Landlords, Truckers, and Business Owners
in Georgia & Florida

We help property owners, trucking operators, and small businesses compare coverage options from multiple markets so they can protect what they've built without the guesswork.

Independent Agency Serving Georgia & Florida

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GA & FLLicensed
DirectAgent Access
MultiCarrier Options
Our Clients

Who We Help Best

We specialize in commercial coverage for four core client types across Georgia and Florida.

🏠

Rental Property Owners

You own single-family rentals, small multifamily, or a growing portfolio. We place DP3 dwelling fire programs with carriers that understand absentee landlords — fast quotes, competitive rates, and coverage that actually pays when something goes wrong.

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Trucking Operators

Whether you run one truck or a small fleet, we access trucking-specialized markets for liability, cargo, and physical damage coverage. We speak trucking — DOT, MC numbers, freight classes, and loss runs are all part of our process.

🏢

Commercial Property Owners

Protect the buildings your business depends on. We find commercial property coverage for offices, warehouses, mixed-use properties, and investor portfolios — with carriers that understand Georgia and Florida risk.

💼

Small Business Owners

From general liability and BOP policies to workers comp and professional liability, we help small businesses get covered without overpaying. You focus on your business — we handle the insurance.

Get Started

Start With the Right Quote Path

Not sure where to start? Choose the coverage type that fits your situation and we’ll guide you from there.

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Landlord Quote

For rental property owners, vacant properties, single-family rentals, small multifamily, and investor portfolios.

Start Landlord Quote →
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Trucking Quote

For owner-operators, hotshot carriers, general freight, long haul, and small fleets.

Start Trucking Quote →
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Business Insurance Quote

For general liability, BOP, commercial property, workers compensation, and professional liability.

Start Business Quote →
Get a Quote

What We Need to Quote You

Have these items ready and we can get you a quote fast. No lengthy forms, no runaround.

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Trucking Insurance
Quote Checklist

  • ✓ Driver licenses for all drivers and owners
  • ✓ VINs for all vehicles
  • ✓ Current policy or declarations page (if available)
  • ✓ DOT and MC number (if applicable)
  • ✓ Type of freight hauled
  • ✓ Radius of travel
  • ✓ Loss runs (if available)
Get Trucking Quote →
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Landlord Insurance
Quote Checklist

  • ✓ Property address
  • ✓ Year built
  • ✓ Square footage
  • ✓ Current policy or declarations page (if available)
  • ✓ Occupancy status
  • ✓ Rental income
  • ✓ Any prior losses
  • ✓ Desired effective date
Get a Landlord Quote →
Our Expertise

Coverage Built Around Your Risk

We help landlords, trucking operators, commercial property owners, and small businesses compare coverage options based on the actual risk, not just the cheapest quote.

01

Commercial Insurance

General liability, business owners policies, professional liability, and package coverage for small businesses that need protection from lawsuits, property damage, and day to day business exposures.

Get a Business Quote →
02

Commercial Property Insurance

Coverage for buildings, business personal property, tenant occupied properties, offices, warehouses, retail spaces, and mixed use buildings. We help review replacement cost, deductibles, wind, vacancy, and valuation concerns.

Get Property Quote → Georgia Commercial Property → Florida Commercial Property →
Landlord Property
03

Landlord & Rental Property Insurance

DP1, DP3, and rental property coverage for single family rentals, small multifamily, vacant homes, and investor portfolios. We help review dwelling limits, liability, loss of rents, roof age, occupancy, and coverage gaps.

SFR Rentals DP3 Coverage Vacant Property Loss of Rents
Get Landlord Quote → Georgia Landlord → Florida Landlord →
Trucking Insurance
04

Trucking Insurance

Primary auto liability, motor truck cargo, physical damage, non trucking liability, and general liability options for owner operators, hotshot carriers, general freight, long haul, and small fleets. We help review filings, radius, freight type, driver history, and loss runs.

General Freight Hotshot Box Truck Long Haul
Get Trucking Quote → Learn More → New Authority? Start Here →
05

Workers Compensation

Coverage for employee injuries, medical costs, lost wages, and employer liability. We help match your payroll, class codes, employee duties, and loss history with carriers that understand your business.

Get Workers Comp Quote →
06

Casualty & Liability Insurance

Liability coverage designed to protect your business from third party injury, property damage, completed operations, and other lawsuit related exposures. This can include general liability, excess liability, umbrella, and other casualty options.

Get Liability Quote →
Our Markets

Carriers We Work With

Real market access means better options for you. We are appointed with and have access to A rated carriers across commercial, trucking, and property lines.

Commercial Trucking
Progressive Commercial
Direct appointment. General freight, hotshot, long haul, and fleet programs.
Workers Compensation
Employers Assurance
Workers comp for small to mid size commercial accounts across Georgia and Florida.
BOP / GL / Commercial
Coterie Insurance
Small business BOP and general liability. Fast digital binding for eligible classes.
Habitational / Commercial Property
Spinnaker Insurance
Multifamily and habitational commercial property programs in Georgia and Florida.
Landlord / Rental Property
REInsurePro / NREIG
Investor focused DP3 and landlord programs. Portfolio pricing available for multiple properties.
Workers Compensation
AmTrust Financial
WC for a broad range of commercial classes including healthcare, nonprofits, and services.
Landlord / SFR Rental
Steadily Insurance
Digital first landlord insurance platform. Fast quoting for SFR and small multifamily.
Landlord / Real Estate Investors
Obie Insurance
Real estate investor focused landlord coverage. Competitive rates and streamlined underwriting.
Habitational / Multifamily
CrossCover
Habitational and multifamily property programs for apartments and investor portfolios.

Plus additional markets through our aggregator network. Don't see your line? Ask us and we will find it.

How We Work

The Pinnacle Process

We collect what carriers need upfront, match your risk to the right markets, and walk you through every step from quote to bind.

01

Tell Us About the Risk

We collect the information carriers need upfront so your quote does not get delayed.

02

We Shop the Right Markets

We match your business, property, or trucking operation with markets that actually write that type of risk.

03

Review Clear Options

We explain coverage, pricing, deductibles, exclusions, and gaps in plain language.

04

Bind With Confidence

We help with certificates, filings, policy documents, and next steps after binding.

About Us

Commercial Insurance Built for Georgia & Florida

Pinnacle Risk Advisors LLC is an independent commercial insurance agency helping businesses, landlords, trucking operators, and property owners secure tailored coverage across Georgia and Florida.

We specialize in commercial property, landlord insurance, trucking insurance, workers compensation, and casualty coverage with responsive service and access to multiple markets.

  • Licensed Insurance Advisor
  • Business Risk Review
  • Claims Guidance When You Need It
  • Trucking Specialists
Get Your Free Quote
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Pinnacle Risk Advisors

Est. 2024

Leadership

Meet Derrick Brown

Pinnacle Risk Advisors was built to give business owners, landlords, and trucking operators direct access to commercial insurance guidance without the runaround. My focus is helping clients understand their options, avoid coverage gaps, and move quickly when it is time to quote or bind coverage.

Call Derrick Start a Quote
Derrick Brown, Founder of Pinnacle Risk Advisors
Founder & Principal Advisor
How We Help Clients

Guidance for Real Business Risks

Rental property owners often need help understanding the difference between basic landlord coverage and DP3 policies. We walk through coverage details, explain what is and is not included, and make sure the quote process is clear from the start.

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Rental Property Owner
Landlord Coverage

Trucking operators frequently need guidance on how liability, cargo, and physical damage coverage work together. We help clients understand what documents carriers require and what underwriters are looking for before a quote is submitted.

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Trucking Operator
Commercial Auto & Cargo

Small business owners benefit most from clear communication upfront. We identify what is needed before the quoting process begins so there are no surprises, and we stay available to walk through options and answer questions throughout.

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Small Business Owner
Commercial Coverage
Contact

Connect With Us

Ready to discuss your insurance needs? We’re here to help protect your business.

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Direct Line

(943) 239-3439
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Email

dbrown@pinnacleriskad.com
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Service Areas

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Georgia & Florida

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