Contact Ross

Ross Heginbottom

CPCU, CRIS

Senior Client Executive

Partner

Favorite Smell

Pizza

My Inner Beast

Elephant

It Takes Me Back

90s rom-coms

Don't Laugh At My…

Skating

Ross Heginbottom is a senior client executive and partner at M3 Insurance. Specializing in construction and real estate, Ross builds comprehensive insurance and risk management solutions tailored to each individual client. He evaluates contractual risk transfer provisions to protect clients from unforeseen loss or liability.

In addition to his work in construction, Ross plays a key role in M3’s affordable housing practice, with a focus on affordable housing (Section 8 and 42), multifamily properties, industrial, office, retail, and commercial real estate. He advises housing authorities and developers across the country on navigating complex insurance environments, helping them secure adequate coverage and manage evolving risks. Ross also consults on a unique offering designed specifically for housing authorities across the country.

Earned Bachelors of Arts in economics from the University of Wisconsin-Madison
Joined M3 in 2015
- Named partner, 2025

Designations

Wisconsin-licensed property and casualty agent
Charted Property Casualty Underwriter designation (CPCU)
Construction Risk and Insurance Specialist (CRIS)

Involvement

M3 United Way Committee
Reach A Child, Development Committee
Make-A-Wish’s Madison chapter, Young Wish Makers of Wisconsin volunteer

Insurance Expertise for Housing Authorities Nationwide

Ross Heginbottom provides specialized property and casualty insurance solutions for the affordable housing sector. Along with his team, he supports housing authorities and developers nationwide, leading on risk management strategies, specialized insurance offerings, and guidance tailored to this complex industry.

Our team is recognized for thought leadership in the space, with professionals regularly speaking at events hosted by WHEDA, NAHRO, and others on topics like cybersecurity and emerging risks. From Seattle to Washington, D.C., we help clients navigate challenging insurance markets with confidence.