Heritage
Heritage Insurance Holdings, Inc is a property and casualty insurance holding company and provides personal and commercial residential insurance through its insurance company subsidiaries. It is vertically integrated and controls or manages all aspects of insurance underwriting, customer service, actuarial analysis, distribution and claims processing and adjusting. Through its subsidiaries, Heritage Property & Casualty Insurance Company provides personal and commercial residential property insurance and commercial general liability insurance; Narragansett Bay Insurance Company provides personal and commercial residential property insurance; Zephyr Insurance Company provides personal residential wind-only property and multi-peril property insurance in Hawaii; Osprey Re Ltd is its captive reinsurance subsidiary that may provide a portion of the reinsurance protection purchased by its insurance company subsidiaries and Heritage MGA, LLC is its managing general agent.