Ernie Garateix, Chief Executive Officer

Mr. Garateix has served as Heritage’s Chief Executive Officer since 2020 and previously served as Chief Operating Officer since 2014 and Executive Vice President since 2012. With his long career in the insurance industry, he brings a wealth of knowledge and experience to Heritage in many areas including claims, underwriting, operations, systems analysis, and operations.

Mr. Garateix began his career at United States Fidelity and Guaranty Company (USF&G) where he held a variety of positions in the claims department and managed the call center operation. He obtained his Masters of Business Administration (MBA) degree from the University of Tampa in Management Information Technology, and immediately assumed the role of Associate Vice President of Information Technology at FCCI Insurance Group in Sarasota, Florida from 2000-2007. At FCCI he managed a team of developers, oversaw a number of software implementations, and assisted in numerous, multi-state projects. Prior to joining Heritage, Mr. Garateix spent five years as Vice President of Operations at American Integrity Insurance Group responsible for all backroom operations of the carrier. He holds the Chartered Property Casualty Underwriter (CPCU®) designation.

Kirk Lusk, Chief Financial Officer

Kirk Lusk has served as Heritage Insurance’s Chief Financial Officer since April 2018 and as Co-Chief Financial Officer since January 2018. From 2013-2018, Mr. Lusk served as Chief Financial Officer of Narragansett Bay Insurance Company (“NBIC”), which was acquired by Heritage Insurance on November 20, 2017. Before that, Mr. Lusk served as International Chief Financial Officer of Aetna, Inc. from 2008-2012, Chief Financial Officer of Alea Group Holdings Bermuda Ltd. from 2005-2008 and Chief Financial Officer of GE ERC’s Global Casualty and GE Capital Auto Warranty Services from 1998-2004.

Tim Moura, President, NBIC

Mr. Moura has been in his current role since 2017, prior to which he served as SVP of Marketing, Agency, and Client Services since 2014. Prior to NBIC, Mr. Moura served as Vice President of Business Development and Commercial Lines for Tower Group Companies. Before that, Mr. Moura was Vice President, Underwriting and Product Management, Personal Lines, at OneBeacon Insurance Group.

Tim Johns, President, Zephyr

Mr. Johns has been in his current role since 2018. Prior to Zephyr, Mr. Johns was Chief Consumer Officer at the Hawaii Medical Service Association, the largest health insurer in Hawaii. Before that, Mr. Johns held multiple executive leadership roles within private, public and non-profit enterprises in Hawaii.