Protecting Northern California’s land, livelihoods, and businesses since 1978.
Heritage Insurance Agency is an independent agency rooted in Northern California since 1978.
We help farms, ranches, and businesses protect what they’ve built with practical guidance, responsive service, and a team that understands the realities of agribusiness and commercial risk.
We provide:
- Specialist guidance built around real-world operations
- Clear recommendations in plain language
- Proactive support as your business changes
Kelly + Steve Mora
Heritage is guided by principals Kelly and Steve Mora, whose complementary focuses strengthen the client experience. Kelly leads our team, culture, and client experience, and champions community impact and long-term growth, including mergers and acquisitions.
Steve leads day-to-day risk leadership and advisory strategy and collaborates with insurance carriers to improve agribusiness risk solutions.
Your protection.
You’ve built something worth protecting—land, equipment, employees, family, customers, and a reputation that took years to earn. But when coverage is pieced together over time, it’s easy for gaps, overlaps, or outdated assumptions to slip in.
At Heritage Insurance Agency, we help Northern California agribusiness and commercial clients make smart, informed insurance decisions. As an independent agency, we bring you options from top-rated carriers—then we help you choose a practical strategy that fits the way you operate today and supports where you’re headed next.
What you can expect from us:
- Clear guidance in plain language
- A proactive approach as your risks and operations change
- A team that follows through—before, during, and after a claim
Our legacy.
Since 1978, Heritage Insurance Agency has been rooted in Northern California as an independent insurance agency serving agribusiness and commercial clients. We’ve grown alongside the communities we serve, and we’re proud to help protect the work, property, and people that keep this region moving.
We believe the best insurance outcomes come from strong relationships, responsive service, and doing the right thing—especially when it matters most. That’s why we take the time to understand our clients’ operations, provide clear guidance, and stay involved as needs change over time.
40+
years in business
25+
advisors backed by a 35-member team
100+
top-rated carrier partners—access to specialized solutions
Our team.
Heritage is built around a team-of-experts approach. We combine deep agribusiness and commercial experience with continual learning—so our clients benefit from current expertise, practical recommendations, and consistent follow-through.
Our advisors actively pursue advanced industry education and professional designations, and we participate in advisory groups and community organizations that keep us connected to the industries we serve.
Team credentials include advanced insurance and risk designations (including CIC, CRM, AFIS, CISR, CRIS and more).
Get Started Today
As an independent agency, we are here to help you find the right coverage.
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Our Mission
Our mission is simple: to protect the heritage of the land, property, and people we insure. We do that through service you can feel, guidance you can trust, and a commitment to quality and integrity in everything we do.
Why Go Independent?
Trusted in our Industry and Community
We’re proud to support and participate in the organizations that strengthen agriculture and local business across Northern California.
The Advantage of an Independent Agency Working for You
What makes our independent agency different?
- Personalized insurance solutions.
- Friendly, knowledgeable service.
- Building trusted relationships.
Choice
Get the power of choice when it comes to finding the right insurance for your situation. We offer a wide variety of policies and price points to choose from.
Expertise
Rely on us to simplify the insurance process, from advising you on your risks and solutions, to advocating on your behalf to the insurance company.
Service
Count on us to be there for you every step of the way with personable and professional service so you always have the right coverage for your insurance needs.
Insurance Solutions We Specialize In
We specialize in a variety of coverage options to meet your unique insurance needs.
Agribusiness
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Business
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Specialized
Business
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Benefits
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Ready for a second opinion?
Schedule a coverage review and we’ll help you understand what you have, what’s changed, and what to consider next.
Review Your Policy
It only takes a minute to get started.
- Fill out the form, we’ll be in touch.
- Go over your options with an agent.
- Get the coverage you need.
