Heritage Insurance Holdings, Inc.
Close on Oct 19, 2026
- Market cap
- $1.08B
- P/E (TTM)
- 5.1
- Dividend yield
- –
About Heritage Insurance
Fire, Marine & Casualty Insurance, SIC 6331
The entity operates as an insurance holding company providing property and casualty insurance solutions through its operating subsidiaries. The company offers commercial residential and personal residential property insurance products designed to protect customers against various casualty losses and major catastrophe events. It manages policy acquisition and underwrites risk portfolios supported by extensive quota share and catastrophe excess of loss reinsurance arrangements.
Geographically, the company conducts business across multiple jurisdictions, including Florida, Hawaii, New York, Rhode Island, and Bermuda. Operating activities and distribution relationships are carried out through principal insurance subsidiaries including Heritage Property and Casualty Insurance Company, Narragansett Bay Insurance Company, and Zephyr, with corporate administrative functions managing investment portfolios, credit facilities, and financial operations.
Summary of the business section of Heritage Insurance's latest annual report, written by StockData.
Company profile
Company
- Legal name
- Heritage Insurance Holdings, Inc.
- Headquarters
- Tampa, FL
- Address
- 1401 N Westshore Blvd 33607
- Phone
- (727) 362-7202
- Employees
- 250, Dec 31, 2025
- Industry
- Fire, Marine & Casualty Insurance
- Incorporated in
- Delaware
- Auditor
- Plante & Moran, PLLC, Chicago, IL
Stock & identifiers
- Ticker
- HRTG
- Exchange
- NYSE
- IPO date
- May 27, 2014
- Shares outstanding
- 30M, Aug 2, 2026
- Public float
- $665.74M, Jun 30, 2025
- Filer category
- Accelerated filer
- SEC CIK
- 1598665
- CUSIP
- 42727J102
- ISIN
- US42727J1025
- LEI
- 9845008CCYDD87F66B45
- EIN
- 45-5338504
Executives and directors
Officers and directors who filed ownership reports (Forms 3, 4, 5) in the last two years
| Name | Position | Shares owned |
|---|---|---|
| Ernie J. Garateix | Chief Executive Officer, Director | 1,035,955 |
| Timothy E. Johns | See Remarks | 21,938 |
| Sharon Binnun | Chief Accounting Officer | 80,623 |
| Kirk Lusk | Chief Financial Officer | 492,522 |
| Timothy Moura | See Remarks | 144,941 |
| Paul L. Whiting | Director | 116,167 |
| Richard A. Widdicombe | Director | 451,750 |
| Joseph Vattamattam | Director | 63,763 |
| Irini Barlas | Director | 90,620 |
| Panagiotis Apostolou | Director | 169,972 |
| Mark S. Berset | Director | 360,169 |
| Vijay Walvekar | Director | 273,583 |
| Nicholas George Pappas | Director | 76,314 |
CEO pay and shareholder return
Pay versus performance table from the proxy statement
| Fiscal year | CEO total pay | CEO pay actually paid | Other executives (avg) | Value of $100 invested | Peer group |
|---|---|---|---|---|---|
| FY2025 | $5.34M | $25.29M | $1.96M | $1626 | – |
| FY2024 | $4.33M | $8.73M | $1.89M | $672 | – |
| FY2023 | $5.00M | $6.50M | $2.11M | $362 | – |
| FY2022 | $2.37M | $1.23M | $1.32M | $18 | – |
“Actually paid” adjusts reported pay for changes in the value of equity awards. Shareholder return assumes $100 invested at the start of the measurement period, as disclosed by the company.
Employees
Headcount reported in annual reports
“We have over 250 full-time employees dedicated to claims management.”
Corporate history
Events identified from SEC filings
| Date | Event | Details |
|---|---|---|
| Jun 19, 2018 | Auditor change | Change in certifying accountant (8-K Item 4.01) |
| Dec 6, 2017 | Acquisition / sale | Completion of acquisition or disposition of assets (8-K Item 2.01) |
| May 27, 2014 | IPO | Initial public offering priced (424B4 prospectus) |
| May 20, 2014 | Listing | Registration of securities on an exchange (Form 8-A) |
| May 20, 2014 | Name change | Name changed from Heritage Insurance Holdings, LLC to Heritage Insurance Holdings, Inc. |