Management Profiles

Heritage Insurance is led by an experienced senior management team committed to providing the highest quality property insurance in Florida.  With over 500 years of combined experience in the Florida homeowners insurance market, the leadership team works together to maintain the highest standards of customer service while being active members of the Florida community.

Bruce Lucas

Mr. Lucas has served as our Chairman and Chief Executive Officer since May 2014.  Mr. Lucas served as our Chairman and Chief Investment Officer from August 2012 to May 2014.  Prior to joining the Company, from January 2012 to August 2012, Mr. Lucas served as the Managing Member of IIM Holdings, II, LLC, an investment company. Previously, Mr. Lucas had served as Chief Executive Officer of Infinity Investment Funds, a hedge fund, from April 2009 to December 2011.  Mr. Lucas was a restructuring attorney at Weil, Gotshal & Manges LLP before joining Infinity.

Richard Widdicombe

Mr. Widdicombe has served as our President since August 2012 and served as our Chief Executive Officer from August 2012 to May 2014. Prior to joining the Company, Mr. Widdicombe served as Risk Manager of Homeowners Choice Property & Casualty Insurance Company (NYSE: HCI) from November 2009 to September 2011. Mr. Widdicombe served as President of People’s Trust Insurance Company from July 2007 to February 2009.

Stephen Rohde

Mr. Rohde has served as our Chief Financial Officer, Treasurer and Secretary since August 2012. Prior to joining the Company, Mr. Rohde served as Chief Financial Officer and Treasurer of People’s Trust Insurance Company from April 2008 to July 2012. Mr. Rohde serves on the board of directors of Lion Insurance Company.

Mel Russell

Mr. Russell has served as our Executive Vice President, Chief Underwriting Officer and Director of Sales & Marketing since August 2013.  Prior to joining the Company, Mr. Russell served as President, Chief Underwriting Officer, Corporate Secretary and Executive Vice President of United Insurance Holdings Corporation (NASDAQ: UIHC) beginning in January 2009.

Ernie Garateix

Mr. Garateix has served as our COO since December 2014 and Executive Vice President since August 2012.  Prior to joining the Company, Mr. Garateix served as Vice President for American Integrity Insurance Group beginning in October 2007.

Sharon Binnun

Ms. Binnun has served as our Executive Vice President of Finance since November 2014. Prior to joining the Company, Ms. Binnun served as the Executive Vice President of Cypress Property Insurance Company from July 2013 to August 2014.  Prior to that, Ms. Binnun served as the Chief Financial Officer of Citizens Property Insurance Corporation From February 2007 to July 2013.

Paul Neilson

Mr. Neilson has served as our Vice President of Claims since September 2012.  Prior to joining the Company, Mr. Neilson served as the Manager, Claim Quality Assurance for Citizens Property Insurance Corporation from September 2011 to August 2012.  From August 2010 to August 2011, Mr. Neilson served as the Director of Claims Management for Homeowners Choice Property & Casualty Insurance Company (NYSE: HCI).  From April 1996 to August 2010, Mr. Neilson served in various capacities at First Floridian Auto & Home / Travelers of Florida, an affiliate of The Travelers Indemnity Company.

Joseph Peiso

Mr. Peiso has served as our Vice President of Compliance since May 2014 and previously served as our Controller from September 2012 to May 2014.  Prior to joining the Company, Mr. Peiso served as Chief Financial Officer of Sunz Insurance Holdings, LLC from September 2011 to August 2012.  Mr. Peiso served as Chief Financial Officer of United Insurance Holdings Corporation (NASDAQ: UIHC) from January 2010 to August 2011.  From June 2004 to December 2009, Mr. Peiso served as Managing Member of Sarasota Bay Insurance Managers, LLC.  Mr. Peiso is a certified public accountant in the State of Florida.