Insurance that actually fits your life and your business.
Sharon Richardson and the Metro Risk team write personal, commercial, and specialty insurance across the Atlanta metro — and shop multiple A-rated carriers to get you there.
What we write
Coverage built around how you actually live and work.
NEMT Insurance
Specialty coverage for NEMT operators across Georgia.
Learn more →Trucking Insurance
Coverage for owner-operators and fleets running in and out of Atlanta.
Learn more →Business Insurance
BOP, GL, and workers' comp for Atlanta-area businesses.
Learn more →Auto Insurance
Personal auto coverage that actually fits your driving life.
Learn more →Home Insurance
Protect your home from Georgia weather, theft, and liability.
Learn more →Life Insurance
Term and permanent life coverage with no pressure.
Learn more →Why Metro Risk
We are not a call center. We answer the phone.
As an independent agency, we shop your coverage across multiple A-rated carriers — and we tell you the trade-offs in plain English. No captive-agent sales pitch, no script.
Book a 15-minute reviewWe shop the market, you get options.
Local agent. Local relationships. Local knowledge.
NEMT, trucking, and small business done right.
We re-shop your policy each year so you never overpay.
Where we work
Serving the entire Atlanta metro.
Tap your city to see local coverage details, common requests, and neighborhood notes.
Client spotlight
Real Atlanta clients. Real coverage wins.
“Sharon walked us through our trucking coverage line by line. She caught gaps our previous broker missed and saved our fleet thousands.”
“We had three NEMT vans and no one would write us. Sharon got us covered in under a week and the rate was fair.”
“Bundled home and auto and shaved $1,800 off our annual premium. She actually picks up the phone.”
“Professional, responsive, and honest. Sharon is the only agent I recommend to friends and family in Atlanta.”
Free, no-pressure quote
Ready to see what you’re actually paying for?
Send us your current declarations page and we'll do a free side-by-side review across our carriers. No obligation, no sales pitch.