Insurance Brokers and Risk Managers focused on commercial & personal insurance solutions, hard-to-place risks, and best-in-class specialty programs. At Heritage Risk Advisors we specialize in connecting our clients with the right insurance services for them. We handle Business and Personal Lines, especially the hard to place risks. We offer FREE Insurance Risk Audits, you might be surprised by what you actually have covered and more importantly by what isn't covered. Give us a buzz to see what personal service from an independent broker is all about. 1-844-GET-HERITAGE or call my cell 940.367.9740. CORPORATE RISK MANAGEMENT-Property Casualty, Workers Comp;GL, D&O, E&O, Environmental;Exclusive Programs;Hard-to-Place Risks;Excess & Surplus Lines;A-Rated Carriers & Admitted Markets;Bonding & Surety; Real Estate, Construction, Energy; CAT Modeling, Loss Analysis, Risk Control; Products, Business Interruption, Recall; Lloyds, RRG's, Captives, Self-Insurance. PERSONAL RISK MANAGEMENT--Personal Umbrella; VIP & Family Office; Home, Auto, & Toys; Farm & Ranch; Stock & Mortality; Rental Properties; Whole & Term Life; Health & Disability; Long Term Care; Coverage Analysis; Creative Solutions