Risk Management
Risk Management
 Personal Insurance
 Insurance Portfolio Management Services
 Insurance Solution & Advisory Services

Personal Insurance
As one of the leading insurance brokers, HIBL has access to all insurance Companies and the most competitive terms and pricing. Our specialists are trained to help you assess your needs and select the most appropriate coverage. Our insurance products and services for individuals include the following:

Accident, Life and Health
For nearly a century, Heritage has helped individuals gain peace of mind through affordable supplemental accident, life and health insurance products.

Property and Liability
 We can help you protect against personal and professional liability issues and also aid in insuring your property, including home and vehicles.




Insurance Portfolio Management Services
Managing your portfolio’s risk is far from simple. In today’s times, risk managers face exposures that have exponentially increased. Electing to use the insurance budget to buy lower policy coverage for all risks, or leaving some risks uncovered in order to have high limits on the most likely risks of loss, is just one of the many decisions risk managers must make.

Managing risks optimally is a guarantee from Heritage. You can rest. Assured. Our portfolio risk management solutions help businesses insure consistent customer treatment at all customer touchpoints through the application of business criteria and predictive analytics.

Our Risk Management plans have been especially devised to help your business weather any eventualities. SARS, Wildfires, Floods and Power failures… any contingency that may strike you anytime, we will step in and help you overcome your losses. Specially geared to manage risks, Heritage helps to keep your business operating on an even keel at all times. It advises you on how to deal with crises, should they arise, handle staff and customer reactions and avert any potential detriment, if required.



Insurance Solution & Advisory Services
Effective risk management typically involves the application of pre and postloss mitigation techniques combined with varying levels of insurance. In some cases, the decision to transfer risk is driven by competitive pricing or by the desire to eliminate surprises and fluctuations in cost. Well-structured insurance programs typically allow an organization to retain the costs of predictable everyday risk while transferring exposures of a catastrophic nature.

As business continues to evolve in ways we could only dream of a few years ago, it becomes more and more important for organizations to partner with professionals who not only know the issues of today but also can further anticipate the issues of tomorrow.

The team at Heritage, comprising of industry and insurance stalwarts, work together with client companies to construct proactive programs of protection that are geared to support that organization's strategic business objectives.