​​​​insurance, business & financial Professionals


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82 Bloomfield Avenue | Pine Brook, NJ 07058 | Tel. (973) 284-0100 | Fax. (973) 284-1655


Maria T. Ortiz - Partner

Maria T. Ortiz joined Pinnacle Risk Solutions in May of 2000. Prior to joining Pinnacle, Maria was a senior account executive managing commercial accounts for a regional New Jersey based agency. Prior to that assignment, Maria was a key executive in managing a personal lines practice for elite customers. During these years she held several positions of increasing responsibility. Maria’s career spans many years in the insurance industry, working in a wide range of capacities including client relations, agency operations, business development, account management and marketing.

Maria is a Partner at Pinnacle with the primary responsibility of managing people and resources while responding to the needs of diverse, global, large and mid market insurance accounts. Her ability to routinely exceed client expectations, while protecting their complex risk exposures, has distinguished her career and benefited Pinnacle and its clients.

Maria continually refines her knowledge through self-study and continuing education. She holds a NJ Insurance Brokers License. She resides in upstate New York with her family.

Richard Duthie - Partner

Rich is a resident of Scotch Plains, NJ with his wife Pam and their 4 children. He is very active in his community as a coach and volunteer and serves on several local boards. Rich entered the insurance business immediately after graduating from Seton Hall University in 1985. He received his CIC designation in 2001.

Over the course of 30 years in the industry, Rich has built a large and diversified commercial lines book of business. He is a partner at Pinnacle Insurance Solutions and his focus is on new and renewal accounts of a large and often complex nature.

Rich is well respected among his colleagues as an experienced, well versed, well educated professional. He is a tremendous resource for the entire agency.

Steven V. Caggiano - Partner

Steven, a Partner at Pinnacle, joined the Pinnacle team in 2001. He brings almost 25 years experience in the insurance service and marketing industry, and has in-depth knowledge of the business. Steven’s “hands on” leadership style routinely puts him at the point of service and providing directions or solving customer and employee situations.
In August 2005, Steven was appointed as Vice President before becoming a Partner and is currently responsible for management of a significant and diverse industry book of business as well as management and direction of the service team at Pinnacle.

Steven is married and has two sons, of which he spends most of his personal time with.

Michael E. Caradimitropoulo- ceo/ chairman/ owner

Michael has worked in the insurance industry for over 30 years. Michael began his

insurance career in 1985, after graduating from Susquehanna University where he

received a Bachelor of Arts degree with a concentration in marketing. He

developed a large book of middle market business as the leading salesman and

partner, organizing the agency’s sales strategies and service standards. In 1997,

his agency was acquired by Summit Global Partners, a national broker based in

Dallas, TX. Mike was pivotal in developing and implementing national strategies

enabling Summit Global Partners to grow from $15,000,000 in revenue to over

$50,000,000 in less than three years.

In December 1999, Michael founded Pinnacle Insurance Solutions after assembling

a management team and closing with SGP on the purchase of a large book of New Jersey and New York clients. Since then, Pinnacle has grown into a leading mid-sized regional broker handling a diverse range of large and middle market commercial and professional accounts. Today, Pinnacle is recognized by insurance companies and insured's as a “best practices” agency. Pinnacle has experienced a steady growth in revenue of 10% for each year. At the same time, the firm has maintained a 30% loss ratio with the insurers it represents. Michael attributes this success to the loyalty and professionalism that Pinnacle’s staff extends to its clients as well as insurance company team members.

Michael has served on the Board of Directors for Enterprise Bank, headquartered in Kenilworth, NJ. and has also been featured in "Forbes" magazine. Michael’s passions include sports and fitness, hunting and coaching.

Key Executives