About Heuston's Insurance Services

Forty Years of Commercial Specialty Brokerage

Heuston's Insurance Services LLC was founded by Tom Heuston, a licensed commercial insurance broker since 1985. From the beginning, the practice has focused on the commercial classes most other brokers avoid: used car dealers, auto repair garages, towing operations, salvage yards, and trucking. These classes require specialized carrier appointments, detailed underwriting knowledge, and operational fluency that general business brokers don't develop.

Over four decades, Heuston's has placed coverage across hundreds of dealer and garage accounts. Tom holds active producer licenses in New Jersey, Pennsylvania, New York, and the U.S. Virgin Islands — the latter serving the St. Croix commercial market.

Why Independent Brokerage Matters for Commercial Accounts

Independent brokers don't work for a single carrier. We work for the client. That means we can place your account with whichever carrier has the best appetite for your specific risk profile — rather than forcing your operation into a form or program it doesn't fit.

For dealer and garage clients, this matters at three critical moments: at initial placement, when you grow or change operations, and at claim time. A carrier that's a bad fit for your actual operations will find a way to deny a claim. Getting the form right — garage liability vs. CGL, direct primary vs. legal liability garagekeepers, MCS-90 vs. state-only — requires operational knowledge of the class, not just rate comparison.

Standard and surplus lines access

Not every dealer, tow operator, or salvage yard will qualify for the standard market. Prior cancellations, claim history, repossession work, police rotation list exposure, heavy equipment — all of these can move an account to the surplus lines market. Heuston's has access to both standard carriers and admitted and non-admitted surplus lines markets, giving us placement options across the full risk spectrum.

Serving the USVI market

Tom is licensed in the U.S. Virgin Islands and serves the commercial market in St. Croix. Insurance options in the USVI are extremely limited, particularly for specialty commercial and catastrophe-exposed risks — which is exactly where direct broker access to surplus lines and specialty markets matters most. Heuston's places commercial brokerage coverage for USVI-based businesses and condominium associations.