Alliance Risk vs Heffernan Insurance Brokers: How Do They Compare for Crime Insurance?

Heffernan Insurance Brokers packages third-party theft crime for home care, hospice and staffing businesses; Alliance Risk places crime for a broader range of cash-handling, payment and data-heavy businesses.

Heffernan's crime cover is third-party theft plus an employee dishonesty bond inside its home-care agency package; Alliance Risk places standalone commercial crime insurance for cash-handling firms, nonprofits and businesses in finance, retail, healthcare or logistics. ^1,^2,³

What Are the Key Differences Between Alliance Risk and Heffernan Insurance Brokers Crime Insurance?

Home-Care Agencies vs Other Businesses

Heffernan's crime cover is built for home health, in-home care, hospice, staffing and registry, infusion therapy and personal care businesses, and its reviewed sources show no crime offering outside that package. ³ Alliance Risk lists businesses that handle cash, payments or sensitive data, companies with accounting or billing teams, and nonprofits with volunteer financial oversight as typical crime buyers. ¹ Choose Heffernan if you run a home-care, home-health or hospice agency and want crime bundled with your workers' compensation and liability; choose Alliance Risk if you need standalone crime cover for any other kind of business.

What Each Crime Policy Covers

Heffernan lists Crime – Third Party Theft and a separate Employee Dishonesty Bond alongside workers' compensation, general and professional liability, and cyber and identity-theft coverage, but publishes no insuring agreements for the crime piece. ³ Alliance Risk names employee theft, check forgery, fraudulent funds transfer, social-engineering fraud and burglary, with theft of client property only by endorsement; it excludes hacking losses, which it sends to a cyber policy, and dishonest acts by owners. ¹

Cost, Timing and Limits

Alliance Risk gives typical crime premiums of $500–$2,000 a year for small businesses, rising to $10,000–$50,000+ for large enterprises, but no limits. ¹ Heffernan gives only cost ranges for the whole home-care package, publishes no bond amounts, and tells new agencies to apply at least 30 days before seeing clients because rates vary by state. ³

What Should You Confirm in Alliance Risk and Heffernan Insurance Brokers Crime Insurance Quotes?

Ask Heffernan to price the third-party theft cover and employee dishonesty bond separately from the package, with their limits. ³
Ask Alliance Risk whether you need the client-property endorsement if your staff work on customer premises or handle customer funds. ¹
Get the issuing insurer from both; neither names one for crime. ³ ¹
Check which policy answers a social-engineering or hacking loss, since Alliance Risk routes hacking to cyber cover. ¹

Alliance Risk vs Heffernan Insurance Brokers Crime Insurance Compared

Alliance Risk vs Heffernan Insurance Brokers: Crime Insurance: documented features by provider

Criteria	Alliance Risk Crime Insurance	Heffernan Home Care Crime Insurance
Who It’s For	Alliance Risk lists businesses that handle cash, payments or sensitive data, companies with accounting, billing or procurement teams, nonprofits with volunteer financial oversight, and organizations in finance, retail, healthcare or logistics as common crime insurance buyers. ¹Company-reported. Crime product page, Who Needs Crime Insurance? section.	Heffernan markets this crime coverage to home health care and in-home health care providers, hospices, staffing agencies and registries, infusion therapy providers and personal care assistants, and says its home care programs cover all states and agency sizes. ³Company-reported. Home Care Business Insurance page's client-type and coverage-area descriptions; 'all states' is a company statement, not independently verified state-by-state licensing.
Coverage Features	Alliance Risk's crime insurance page covers employee theft and embezzlement, forgery or alteration of checks or documents, fraudulent electronic funds transfer, social engineering fraud and impersonation, and burglary, robbery and safe burglary, with theft of client property available by endorsement. ¹Company-reported. Crime product page, What Does Crime Insurance Cover? section; actual policy structure depends on the carrier and the policy as issued. Alliance Risk says its crime coverage excludes business income loss from crime unless endorsed, cyber breach or hacking (which it says falls under a cyber policy instead), losses not discovered during the policy period, and dishonest acts by company owners or partners. ¹Company-reported. Crime product page, What Doesn't Crime Insurance Cover? section.	Heffernan lists 'Crime – Third Party Theft' and a separate 'Employee Dishonesty Bond' among the coverages in its home care package, alongside workers' compensation, general and professional liability, and cyber and identity theft coverage. ³Company-reported. Home Care Business Insurance page's coverage list; specific insuring agreements, exclusions and endorsements for the crime coverage are not published there.
Role in This Line	Alliance Risk arranges crime insurance placements as a brokerage; the crime page describes the coverage it places rather than an Alliance-issued policy. ^1,²Company-reported. Crime product page and the general brokerage disclosure on the coverage catalogue page.	Heffernan arranges crime coverage, listed on its site as 'Crime – Third Party Theft,' as part of the insurance packages it builds for home care, home health and hospice businesses. This record only documents crime coverage in that home-care context; the reviewed sources do not describe a general commercial crime offering outside home care. ³Company-reported. Home Care Business Insurance page's coverage list.

Criteria

Alliance Risk Crime Insurance

Heffernan Home Care Crime Insurance

Who It’s For

Alliance Risk lists businesses that handle cash, payments or sensitive data, companies with accounting, billing or procurement teams, nonprofits with volunteer financial oversight, and organizations in finance, retail, healthcare or logistics as common crime insurance buyers. ¹Company-reported. Crime product page, Who Needs Crime Insurance? section.

Heffernan markets this crime coverage to home health care and in-home health care providers, hospices, staffing agencies and registries, infusion therapy providers and personal care assistants, and says its home care programs cover all states and agency sizes. ³Company-reported. Home Care Business Insurance page's client-type and coverage-area descriptions; 'all states' is a company statement, not independently verified state-by-state licensing.

Coverage Features

Alliance Risk's crime insurance page covers employee theft and embezzlement, forgery or alteration of checks or documents, fraudulent electronic funds transfer, social engineering fraud and impersonation, and burglary, robbery and safe burglary, with theft of client property available by endorsement. ¹Company-reported. Crime product page, What Does Crime Insurance Cover? section; actual policy structure depends on the carrier and the policy as issued.

Alliance Risk says its crime coverage excludes business income loss from crime unless endorsed, cyber breach or hacking (which it says falls under a cyber policy instead), losses not discovered during the policy period, and dishonest acts by company owners or partners. ¹Company-reported. Crime product page, What Doesn't Crime Insurance Cover? section.

Heffernan lists 'Crime – Third Party Theft' and a separate 'Employee Dishonesty Bond' among the coverages in its home care package, alongside workers' compensation, general and professional liability, and cyber and identity theft coverage. ³Company-reported. Home Care Business Insurance page's coverage list; specific insuring agreements, exclusions and endorsements for the crime coverage are not published there.

Role in This Line

Alliance Risk arranges crime insurance placements as a brokerage; the crime page describes the coverage it places rather than an Alliance-issued policy. ^1,²Company-reported. Crime product page and the general brokerage disclosure on the coverage catalogue page.

Heffernan arranges crime coverage, listed on its site as 'Crime – Third Party Theft,' as part of the insurance packages it builds for home care, home health and hospice businesses. This record only documents crime coverage in that home-care context; the reviewed sources do not describe a general commercial crime offering outside home care. ³Company-reported. Home Care Business Insurance page's coverage list.