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.

Randy Jones, President, Commercial Residential

Randy Jones has served as our President of Commercial Division since February 3, 2014. He has over 25 years of executive experience in a variety of insurance industry positions, primarily focusing on commercial lines services, with progressively responsible leadership experience which lead him to becoming the Senior Vice President of Safe Harbour Underwriters, the commercial division of American Strategic Insurance (ASI) in 2005, a property and casualty company based in St. Petersburg, Florida. During his tenure at ASI, he continued to develop special expertise in the commercial residential property insurance sector through his work with various community association entities and insurance agents in Florida, Louisiana, South Carolina and Texas. As part of his role with these entities and agents, he has worked with teams that have successfully designed and executed the implementation of innovative programs for Condominium Associations, Homeowner Associations, Apartment Complexes and Continuing Care Retirement Communities.

Mr. Jones has been instrumental in writing hundreds of millions in revenue in these specialized market sectors. He has been a frequent speaker at community association insurance industry conferences and is often called upon for his opinion on insurance industry issues related to insuring community associations in Florida. Prior to 2004, Mr. Jones served as an officer at other insurance and risk broking organizations including Marsh McLennan Companies, a global insurance enterprise with 57,000 colleagues worldwide. He also worked with traditional and non-traditional insurance transfers, including Group Funded deductible insurance programs for Religious Institution Practice, Hospitality Industry, Professional Liability and Reciprocal Insurance Exchange. Mr. Jones majored in Insurance and Risk Management at Centennial College. He holds a Fellowship in Insurance and Risk Management and an Associate in Property and Casualty Insurance. He also holds an American Risk Manager (ARM) and Certified Property Insurance Adviser (CPIA) designations. In addition, he holds Florida Insurance Agent 220 license, a Texas Managing General Agent license and a Surplus Lines license.