Business Details
22 Years
experience
Trusted Commercial Insurance Solutions for Agents
Heritage Specialty Insurance has been a trusted wholesale insurance partner since 2004, specializing in commercial insurance solutions for agents across Texas, Oklahoma, Arkansas, and Washington. Our team combines decades of industry experience with a client-focused approach to help agents secure coverage for diverse risks. We prioritize streamlined processes, offering access to admitted and surplus line carriers without burdensome paperwork. Our expertise spans construction, oil & gas, hospitality, and specialty markets, supported by a commitment to continuous product expansion. We value long-term relationships with agents, treating them as our direct clients while maintaining transparency in communication.Our family-owned business model emphasizes personalized service and flexibility, allowing agents to submit risks through multiple channels. With underwriters familiar with both retail and wholesale operations, we provide tailored guidance for complex placements. Our focus on financial stability ensures reliable partnerships for agents seeking competitive markets. We actively seek new products to address evolving industry needs while maintaining efficient quoting timelines. Located in Addison, Texas, we serve agents nationwide through phone, email, and digital platforms.
Services
Commercial Insurance
Casualty Products
Premium Finance
Surplus Lines
Property Coverage
Workers Compensation
Environmental Liability
Specialty Markets
Details
- Year established: 2004
Highlights and features
- We offer 20+ years of combined insurance expertise from our underwriting team.
- Our agent-focused approach prioritizes your client relationships and success.
- We provide access to diverse markets for hard-to-place commercial risks.
- Our streamlined processes minimize paperwork while maintaining thorough coverage.
- We maintain direct communication channels through phone, email, and digital platforms.
Services
Commercial Insurance
We provide comprehensive commercial insurance solutions for businesses across multiple industries. Our offerings include property, liability, and specialized coverage options tailored to specific business needs. With access to both admitted and surplus line carriers, we help agents secure coverage for complex commercial risks.
Casualty Products
Our casualty insurance portfolio covers general contractors, subcontractors, tradesmen, and specialty industries. We offer liability protection for construction projects, oil & gas operations, and environmental contractors. This includes umbrella/excess liability and pollution liability coverage options.
Premium Finance
We facilitate premium financing through partnerships with established providers. This service allows clients to manage insurance costs through installment plans while maintaining continuous coverage. Our team coordinates directly with financing institutions to simplify the payment process.
Surplus Lines
We specialize in placing hard-to-insure risks through surplus lines carriers. Our expertise includes unique exposures in construction, energy, and specialty markets. This service provides agents with alternative solutions when standard market options are unavailable.
Workers Compensation
We offer workers compensation insurance for high-risk industries and difficult-to-place accounts. Our program addresses specific state requirements while providing coverage for occupational injuries and illnesses. This service supports businesses needing specialized risk management solutions.
People
Terry Smith
Administrative Assistant
Terry joined Heritage Specialty in 2014, bringing prior bookkeeping experience from Dallas-Fort Worth businesses. She manages policy disbursement, invoicing, and office administration while assisting with premium finance quotes.
Regan Hurt
Underwriter
Regan joined Heritage Specialty in 2015 after working in fundraising and training at the American Cancer Society. As a third-generation insurance professional, she handles new business quotes and coverage modifications from Austin, Texas.
George Ferrell
Founder
George established Heritage Specialty in 2004 after extensive experience as a commercial casualty underwriter and surplus lines specialist. Though no longer owner, he remains involved as an industry expert and Terry Smith's father.
Questions
What commercial insurance products do you offer?
We provide property, casualty, surplus lines, workers compensation, and specialty coverage for construction, energy, hospitality, and environmental industries.
Which states do you serve?
We primarily serve Texas, Oklahoma, and Arkansas, with select capabilities in Washington state for specific commercial risks.
How can agents access your markets?
Agents can complete our producer agreement, submit E&O documentation, and begin placing risks through phone, email, or online submissions.
Do you offer premium financing options?
Yes, we partner with Crescent Premium Assignment to provide installment plans for client premiums through Imperial Premium Finance.
What underwriting experience do you have?
Our team includes third-generation insurance professionals with combined decades of experience in both retail and wholesale operations.
