At All Risk Insurance, we’re more than just a local insurance agency — we’re your neighbors, advocates, and partners in protection. Founded and led by Liz Gibson, a long-time community leader and caregiver, our independent agency has proudly served individuals, families, and businesses in Pensacola, Milton, and across Northwest Florida for over 35 years.
We’re a Trusted Choice® agency and proud members of the Florida Association of Insurance Agents (FAIA) and the Santa Rosa County Chamber of Commerce. These affiliations reflect our commitment to high standards, ongoing education, and delivering insurance solutions that meet the evolving needs of our communities.
To simplify the insurance process while delivering protection that works in real life — from your home to your business and everything in between.
As an independent agency, we’re not tied to one carrier. Instead, we work with a wide range of A+ rated insurance providers to bring you the most tailored, competitive, and comprehensive coverage available. Whether it’s homeowners, auto, or commercial insurance, our job is to match your needs with the best-fit policy.
Community is at the heart of everything we do. Liz Gibson is not only an experienced insurance advisor but also the Director and Lead Caregiver for For the Children of Milton, a nonprofit dedicated to housing and supporting at-risk youth and homeless families.
We actively support and raise funds for organizations such as:
Rally on the Runway (Rally Foundation)
Sportsmen Giving Back
For the Children of Milton
Local homeless shelters and youth outreach programs
We also proudly sponsor local sporting events, fundraisers, and festivals that bring our region together and help improve the lives of those we serve.
We’ve built a reputation of trust and reliability, helping families and businesses protect what matters most for more than three decades.
Rooted in the Gulf Coast, we’re not just your insurance agency — we’re your neighbors. We understand the unique needs of Northwest Florida.
As proud members of industry-leading associations and local business networks, we’re committed to professionalism, advocacy, and best-in-class service.
We partner with top-rated insurance companies to bring you coverage options that are dependable, competitive, and built to last.
From “For the Children of Milton” to Rally on the Runway, we actively give back — because strong communities are the heart of what we do.
You’ll always speak to a real person who listens, explains, and helps you make confident, informed insurance decisions.
For over two decades, All Risk Insurance has proudly served Florida families and businesses with honesty, reliability, and care. In September of 2025, we celebrated with a 20th anniversary ribbon cutting—hosted by the Santa Rosa County Chamber—that marks not only a milestone of success but a celebration of the trust our clients place in us every day.
