General Information and FAQ

Current Market List:

  • ACE Group USA (now a part of Chubb)  
  • Atlas General Insurance Services
  • Builders Insurance Services
  • Business Risk Services of Ohio
  • C&F Wholesale E&S (formerly CoverX)
  • Concert Specialty Insurance Co (through brokerage contract or program administrator)
  • Contractors Bonding & Insurance Company
  • Cornerstone Underwriting Partners
  • Coterie Insurance
  • Freberg Environmental Services
  • Houston International Insurance Group/Skyward
  • Hudson Insurance Group
  • International Insurance Company of Hannover (through brokerage contract or program administrator)
  • ISC Managing General Agency
  • Kinsale Insurance Company
  • McGowan Excess & Casualty (formerly PS & Associates)
  • Mt Hawley Insurance Company
  • Mid-Continent Insurance Group (through brokerage contract or program administrator)
  • Prime Insurance Company
  • Promont Insurance Advisors
  • Safehold Special Risks
  • Seneca Specialty Insurance Company
  • SIS Wholesale
  • Starstone National Insurance Company
  • Starstone Specialty Insurance Company
  • Stonefalls Insurance
  • Twenty Mile Insurance Services
  • United National Insurance Company (through brokerage contract or program administrator)
  • Westchester, a Chubb Company

Commission Levels

  • 10-15% with admitted and E&S carriers on General Liability
  • 10-15% on BOP, certain GL classes, D&O, E&O
  • 10% with admitted & surplus carriers on Excess/Umbrella Liability
  • 10% on all surplus lines products & carriers unless otherwise noted or negotiated
  • Heritage Specialty reserves the right to adjust commission percentages on a case by case basis.  We will consider higher levels based on volume and relationship.

FAQ

Yes

All items are Agency bill and will be individually invoiced with due date provided.

Remit all payments to the PO Box in Bryan.

At this time we accept checks and money orders and can accept wire transfers as well.

With the exception of CBIC policies, unless we are notified in writing existing policies lapse on their advised expiration date.

Yes, for certain risks.

Many are available on our website under the Applications tab. Contact underwriting for any not found there.

Currently Heritage is only licensed in those states.  However, if you have a risk or program you would like Heritage to entertain elsewhere, please don’t hesitate to contact us.  We have the ability to add additional states under the appropriate circumstances.

Yes, on a very limited basis. We currently can provide surplus lines, excess auto liability for hard to place, small to medium fleets. We can also consider auto along with package submissions for some industries such as mining, oil & gas (surplus market only), etc.  We have a market that will consider unsupported auto with at least 25% of operations coming from hazardous materials.

Our property appetite is limited and typically has to be paired with liability coverage.  We can often package property on bars/restaurants, on certain contractor risks and can offer BOP products for certain risks.

Yes, we have markets that will write inland marine including equipment floaters, property floaters and builders risk.

Yes, we have more than one market that will write excess & umbrella over multiple carriers & risk types on both admitted & surplus paper.

No.

No.

On 8/15/14 Freestone was ordered into liquidation by the Delaware Department of Insurance.  All policies on Freestone paper, in place as of that date were cancelled effective 9/14/14, 12:01am.  This did not apply to coverage written with Accident Insurance Co or any other carrier contracted with Heritage.  All claims for restitution or reimbursement had to be made to Freestone’s receiver by 12/31/15.  Any claim for defense or payment received after that date can be denied.  More information can be found at: www.delawareinsurance.gov/departments/berg/rehab_bureau.shtml.  Additionally, the Texas guaranty fund does provide some protection to Texas policyholders and additional information can be found at: www.tpciga.org.  A copy of the injunction and liquidation order can be found here.

QUESTIONS? WE HAVE ANSWERS.