Effective Date: February 17, 2026
Pinnacle Insurance & Risk Management LLC
Website: www.pinnacleirm.com | Email: info@pinnacleirm.com
These terms govern your access to and use of this website and any related communications or services offered through it (collectively, the "Services"). If you do not agree, do not use the Services.
The Company is an independent insurance agency and is not an insurance carrier. Insurance policies are issued by third‑party insurers and are subject to underwriting approval, eligibility, policy terms, exclusions, and conditions.
Quotes provided are estimates only and may change. Coverage is not bound unless and until confirmed in writing by an authorized representative of the Company (and, where applicable, accepted by the insurer).
Insurance products and services are offered only in jurisdictions where the Company and/or its licensed representatives are authorized to transact insurance business, including through appropriately licensed partner arrangements where required by law.
Nothing on this website constitutes an offer to sell insurance in any jurisdiction where we are not authorized or licensed to do so.
We may collect personal and business information you provide, including contact details (name, business name, phone number, email address), addresses, DOT/MC information, vehicle and driver information, insurance history, and other information reasonably necessary to quote or service insurance.
We use information to: (i) respond to requests; (ii) obtain quotes; (iii) submit applications; (iv) service policies; (v) communicate about your account; and (vi) comply with legal and regulatory requirements.
We may share information with insurance carriers, wholesalers/MGAs, premium finance companies, and service providers as reasonably necessary to provide the Services, and with regulators or law enforcement when required by law.
We do not sell your personal information.
If you provide a mobile number and provide consent (for example, via a website opt‑in checkbox or verbal consent during a phone call), you agree that we may send SMS messages related to insurance quotes, applications, servicing, and account notifications.
Message frequency may vary. Message and data rates may apply. Consent is not a condition of purchase.
Opt‑Out and Help:
We maintain reasonable records of consent as appropriate and comply with applicable messaging standards (including TCPA and carrier A2P requirements).
We may use cookies and similar technologies to operate and improve the website, understand usage, and measure marketing effectiveness. You may control cookies through your browser settings; disabling cookies may affect site functionality.
We use reasonable administrative, technical, and physical safeguards designed to protect information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.
If you are a California resident, you may have rights to request access, deletion, and correction of certain personal information, and to opt out of the sale or sharing of personal information (we do not sell personal information).
Residents of other states may have additional rights under applicable privacy laws. We will respond to verifiable requests as required by law.
To submit a privacy request, email info@pinnacleirm.com with the subject line "Privacy Request."
Certain coverages may be placed with surplus lines insurers where permitted by law. Surplus lines insurers may not be licensed in your state and may not participate in state guaranty funds.
We may receive commissions and/or other compensation from insurers or intermediaries in connection with policies placed. Compensation may vary by carrier and product. Additional details may be available upon request as required by applicable law.
All website content, including text, graphics, logos, and design, is owned by the Company or its licensors and is protected by applicable intellectual property laws. You may not copy, reproduce, or distribute content without prior written permission, except for personal, noncommercial use.
The website and its content are provided for general informational purposes only and do not constitute legal, tax, financial, or insurance advice.
To the fullest extent permitted by law, the Company will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating to the Services.
These Terms are governed by the laws of the Commonwealth of Virginia, without regard to conflict-of-law rules, except where the law of another jurisdiction is required to apply.
We may update these Terms and this Privacy Policy from time to time. The "Effective Date" above indicates when this page was last revised. Your continued use of the website after any update constitutes acceptance of the updated terms.
Questions about these Terms or our privacy practices may be sent to info@pinnacleirm.com.