Who we Are…
Central Specialty Risk prioritizes relationships, maintaining a low employee-client ratio for enhanced service. Our clients often have unique, complex needs, so we schedule ample time for review, analysis, and implementation. Our process includes on-site inspections or detailed teleconferences, plan development, implementation, and risk transfer through various insurance products and strategies.
Where we Serve…
Central Specialty Risk is a Georgia company with clients in Alabama, California, Florida, and Texas. We are licensed to operate in several other states and welcome new opportunities for mutually beneficial partnerships.
How we Excel…
We are discussing complex liabilities involving accounts with many different risks. These include buildings on coastal barrier islands that face environmental threats and multi-phase construction projects that require subcontractors to follow safety and legal standards. We are also looking at converted multi-family complexes that have their own challenges. We also manage simpler accounts to meet a wide range of client needs.
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david@centralspecialtyrisk.com
David Araiza is the Agency Principal of Central Specialty Risk, where he leads with a client-first mindset and a focus on delivering tailored solutions for complex and hard-to-insure risks. Originally from Mexico, David moved to the U.S. to pursue higher education, earning his bachelor’s degree from Shorter University in 2009, followed by an MBA in 2012.
Since entering the insurance industry in 2020, he has become known for his strategic thinking, business acumen, and ability to build strong client relationships. His leadership has been a driving force in the agency’s continued growth and operational excellence.
David lives in Canton, Georgia, with his wife, Rachel, and their two sons, Lucas and Mateo. Outside of work, he values time with family, professional development, and contributing to his local community.
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lowell@centralspecialtyrisk.com
Lowell has been a lifelong resident of Rome, Georgia, and has dedicated his entire career to the insurance industry. For over 40 years, Lowell worked with a Captive Insurance Agency, gaining extensive experience and building lasting relationships.
After retiring from that role, he joined Central Specialty Risk Agency as an agent, allowing him to continue his passion for helping clients with their insurance needs. Outside of work, Lowell enjoys staying active and following a variety of sports.
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shelby@centralspecialtyrisk.com
With 18 years in the insurance industry and deep roots as a third-generation agent, Shelby brings both experience and heart to what she does. Insurance isn’t just her career—it’s a family legacy, and she takes pride in carrying it forward with purpose. Over the years, Shelby has worked in agencies big and small, helping clients—from homeowners to business owners—protect what matters most. Shelby specializes in high-net-worth personal coverage and complex commercial risks, always focusing on clarity, trust, and tailored solutions. Her approach is simple: educate first, recommend what’s right, and never cut corners when it comes to protecting your future.
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bryson@centralspecialtyrisk.com
Bryson is a proud native of Floyd County and a graduate of Berry College, where he developed a strong foundation in both academics and leadership. With a deep appreciation for hard work and community values, Bryson is committed to helping individuals and families protect what matters most through comprehensive insurance solutions. His dedication to service and client care sets him apart in the industry. When he’s not assisting clients, Bryson manages his own cattle and beef operations, demonstrating the same level of commitment and work ethic in agriculture as he does in his professional life.
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Harley Gambrell is the founder of Central Specialty Risk and a seasoned insurance professional with over 20 years of experience. A graduate of Berry College, he also holds an Masters Degree from Harvard University. Harley specializes in insuring complex and high-risk exposures, combining deep industry knowledge with a passion for finding creative coverage solutions.
Contact us
Want to learn more about our organization or have general questions? Please reach out, we would love to hear from you!