About Us

Sanibel Insurance Group Photo

Sanibel Insurance

Heidrick & Co. Insurance and Risk Management is a locally owned, independent insurance agency located on Sanibel. We specialize in the unique insurance needs of residents, businesses and non-profit organizations located on coastal Sanibel, Captiva islands and Southwest Florida areas. Our staff is comprised of licensed, highly qualified insurance professionals with more than a century of combined industry experience.

As an independent insurance agency, we have access to hundreds of insurance companies, providing the most appropriate options for each client’s specific requirements.  Whether a client needs insurance for a home, condo, investment property or commercial endeavor, we have a specialist available who thoroughly understands all aspects of insuring that risk.

Our business location in the heart of Sanibel affords us the unique knowledge of coastal living and provides significant insight into hazards such as wind and flood, in addition to other property and casualty risks unique to this area.

Having been awarded each year since our founding, the designations of Best Insurance Agency AND Best Insurance Agent, we are well-known for our outstanding level of client service.  We pride ourselves on the personal attention we provide each client from the initial phone call, through the underwriting process and for years to come.


Mission Statement

To be a trusted property and casualty insurance advisor for the residents, business owners and non-profit organizations in Sanibel, Captiva and Southwest Florida coastal areas.

Our mission is focused on the following groups:


Our licensed team of professionals possess outstanding knowledge, integrity and an unwavering commitment to client service. We provide individual attention and customized solutions to ensure our clients peace of mind and support when they need it most.


We are keenly focused on maintaining a culture in which each staff member feels valued, appreciated and empowered. We provide opportunities for industry education and professional growth.


We strongly believe in giving back to the communities that support us. Our staff is encouraged to, and does, serve on many non-profit boards and committees and volunteers to support community events and activities. Additionally, we provide financial support to many worthy causes, particularly those focused on supporting individuals, the arts and conservation efforts.

Vision Statement

To remain a locally owned, independent insurance agency staffed by fully licensed professionals. We endeavor to be South Florida’s de-facto insurance resource by remaining proactive and laser-focused on our area’s unique — and ever-changing — insurance needs.

Core Beliefs

Integrity: We do not “sell” insurance policies. We provide a thorough review of each risk and educate clients on the rationale behind the coverages options we provide.

Prudent underwriting: In an effort to avoid surprises after policy issuance, we apply sound judgement upfront to ensure the right coverage for each risk.

White-glove client service: Our team approach, and many means of communication, afford our clients the ability to have their needs addressed quickly.

Mutual respect: Our staff knows each person’s contribution to our company is valuable and our close-knit team works together to meet the needs of our clients.

Meet the Team

Sanibel Island Insurance
Chris Heidrick Agency Principal
Holli Martin agent at Sanibel Insurance
Holli Martin Vice President
Kim Kivac agent at Sanibel Insurance
Kim Kovacs Personal Lines Manager
Kim Welch Sanibel Insurance
Kim Welch Client Service Manager
TAMI TREUHEIT Personal Lines Specialist
Tami Treuheit Personal Lines Specialist
Sanibel Island Insurance
Paul Gulbrandsen Commercial Lines
Sanibel Island Insurance
Antoinette Radicchi Client Service Specialist
MJ Hays, Sanibel Insurance Administrative Assistant
MJ Hays Administrative Assistant
Agent Pamela VanHorn
Pamela Van Horn Personal Lines Agent
Jessica Orlando
Jessica Orlando Personal Lines Agent
Diane Guzzardo- Commercial Lines Service
Diane Guzzardo Commercial Lines
Lisa Herzog
Lisa Herzog Personal Lines Agent