---
title: "Alliance Risk vs Heffernan Insurance Brokers Crime Insurance"
description: "Alliance Risk describes general commercial crime placements; Heffernan’s reviewed crime cover is Crime – Third Party Theft inside home-care packages."
canonical: "https://spot.insure/compare/alliance-risk-vs-heffernan/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Alliance Risk vs Heffernan Insurance Brokers Crime Insurance

Alliance Risk describes general commercial crime placements; Heffernan’s reviewed crime cover is Crime – Third Party Theft inside home-care packages.

## Research Scope and Use

Use this comparison to evaluate Alliance Risk and Heffernan Insurance Brokers for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Alliance Risk brokers crime for cash-handling and similar commercial buyers. Heffernan arranges crime listed as Crime – Third Party Theft as part of insurance packages for home care, home health and hospice businesses, and the reviewed sources do not describe a general commercial crime offering outside that home-care context. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [4](https://joinalliancerisk.com/coverages/ "Alliance Products") [8](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## What Is Alliance Risk?

Alliance Risk describes itself as an independent commercial insurance brokerage serving complex businesses, including technology startups. Its offering includes technology E&O placement and review of existing policies. [1](https://joinalliancerisk.com/about-us/ "About Us") [2](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance")

[Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk)

## What Is Heffernan Insurance Brokers?

Heffernan Insurance Brokers is an independent, Walnut Creek–headquartered retail brokerage that arranges business insurance, employee benefits, and related services. Its technology practice markets to mid- and late-stage companies, including venture-funded and pre-IPO firms. [5](https://www.heffins.com/about-us/our-story/ "Our Story") [6](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

[Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan)

## What Is Crime Insurance?

Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### General Commercial Placement Versus Home-Care Package

Alliance Risk brokers crime for cash-handling firms, accounting teams, volunteer-oversight nonprofits, and finance, retail, healthcare or logistics. Heffernan arranges Crime – Third Party Theft inside packages for home care, home health and hospice. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [8](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

Heffernan’s reviewed sources do not describe a general commercial crime offering outside that home-care context. Alliance Risk describes a commercial crime placement, not a home-care package line. [8](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

### What Sits Next to Crime

Heffernan lists Crime – Third Party Theft and a separate Employee Dishonesty Bond among coverages in its home-care package, alongside workers’ compensation, general and professional liability, and cyber and identity-theft coverage. Alliance Risk’s crime page treats crime as its own placement, with theft of client property available by endorsement, and says cyber breach or hacking falls under a cyber policy instead. [8](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

### Specialists, Timing and Numbers

Heffernan assigns home-care specialists and a Home Care Practice Leader, and tells agencies to start at least 30 days before seeing clients because rates vary by state. Alliance Risk’s reviewed sources do not describe a 30-day home-care lead time or a dedicated home-care practice. [8](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

Neither brokerage’s reviewed sources name the issuing insurer or publish crime limits. Alliance Risk publishes typical crime premium ranges; Heffernan discusses only general cost ranges for the overall home-care package. [8](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

## What to Confirm in Crime Insurance Quotes

- Confirm whether you need Heffernan’s home-care package crime (third-party theft plus employee dishonesty bond) or a general commercial crime placement of the kind Alliance Risk describes. [8](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

- Ask Heffernan for crime and bond limits separately from the overall home-care package cost range. [8](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

- Get the writing company from both. [8](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

- If you are a home-care agency, confirm Heffernan’s 30-day lead time before you start seeing clients. [8](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## Offering Details

| Criteria | Alliance Risk Crime Insurance | Heffernan Home Care Crime Insurance |
| --- | --- | --- |
| 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. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [4](https://joinalliancerisk.com/coverages/ "Alliance Products") (Evidence: Company-reported; scope: 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. [8](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: Home Care Business Insurance page's coverage list..) |
| Issuing Insurer | The crime insurance page does not name an issuing insurer or carrier for the coverage. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Not publicly disclosed; scope: Crime product page as read on 2026-09-23..) | The home care page does not name the insurer that would issue the crime or employee dishonesty coverage. [8](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Not publicly disclosed; scope: Checked the Home Care Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations..) |
| 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. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime product page, What Does Crime Insurance Cover? section; actual policy structure depends on the carrier and the policy as issued..)<br><br>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. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: Home Care Business Insurance page's coverage list; specific insuring agreements, exclusions and endorsements for the crime coverage are not published there..) |
| Limits and Retentions | Alliance Risk's crime page gives typical annual premium ranges ($500-$2,000 for small businesses up to $10,000-$50,000+ for large enterprises) but does not publish specific coverage limits, sublimits or retentions. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Not publicly disclosed; scope: Crime product page as read on 2026-09-23..) | The home care page does not publish specific limits or bond amounts for the crime or employee dishonesty coverage; it discusses only general cost ranges for the overall home care insurance package. [8](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Not publicly disclosed; scope: Checked the Home Care Business Insurance page on 2026-09-23..) |
| Risk Services | Not described in the reviewed sources. | Heffernan says its home care insurance specialists can walk clients through coverage and premium options, and it names a dedicated Home Care Practice Leader and regional practice leaders as points of contact. [8](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: Home Care Business Insurance page's workers'-compensation guidance and practice-leader contact sections..) |
| How to Apply | Not described in the reviewed sources. | Heffernan tells home care businesses to begin the insurance application process at least 30 days before working with clients and to contact Heffernan for a free rate quote, since rates vary by state. [8](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: Home Care Business Insurance page's cost-and-timing section..) |

## Full Comparison

- [Alliance Risk vs Heffernan Insurance Brokers](https://spot.insure/compare/alliance-risk-vs-heffernan): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.
- [Alliance Risk vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/builders-risk)
- [Alliance Risk vs Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-heffernan/business-owners-policy)
- [Alliance Risk vs Heffernan Insurance Brokers Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/cargo-transit)
- [Alliance Risk vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/commercial-auto)
- [Alliance Risk vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/commercial-property)
- [Alliance Risk vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/cyber)
- [Alliance Risk vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/employment-practices)
- [Alliance Risk vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/fiduciary)
- [Alliance Risk vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/general-liability)
- [Alliance Risk vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/professional-errors-omissions)
- [Alliance Risk vs Heffernan Insurance Brokers Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/workers-compensation)
- [Alliance Risk vs Beazley Crime Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/crime)
- [Alliance Risk vs CFC Crime Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/crime)
- [Alliance Risk vs Chubb Crime Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/crime)
- [Alliance Risk vs Coalition Crime Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/crime)
- [Alliance Risk vs Corgi Crime Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/crime)
- [Alliance Risk vs Coverdash Crime Insurance](https://spot.insure/compare/alliance-risk-vs-coverdash/crime)

## Sources

### Alliance Risk

1. [About Us](https://joinalliancerisk.com/about-us/). Alliance Risk; Our Story. Accessed 2026-09-16.
2. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
3. [Crime Insurance](https://joinalliancerisk.com/crime-insurance/). Alliance Risk; What Is Crime Insurance?; Who Needs Crime Insurance?; What Does Crime Insurance Cover?; What Doesn't Crime Insurance Cover?; How Much Does Crime Insurance Cost?. Accessed 2026-09-23.
4. [Alliance Products](https://joinalliancerisk.com/coverages/). Alliance Risk; Footer brokerage disclosure: "Alliance Risk is an insurance brokerage focused on providing clients with commercial insurance across a wide array of industries.". Accessed 2026-09-23.

### Heffernan Insurance Brokers

5. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
6. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
7. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Forward-Thinking Business Insurance: basic coverages (general liability, commercial property and auto, workers’ compensation); corporate and executive protection (EPL, D&O, fiduciary responsibility, cyber, kidnap and ransom); alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16.
8. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). Heffernan Insurance Brokers; Insurance for Home Care Businesses, Home Health, and Hospices: covering all states and agency sizes; 'We offer comprehensive coverage for' list including Crime – Third Party Theft and Employee Dishonesty Bond; Home Care Insurance Cost for Start-ups; practice-leader contacts. Accessed 2026-09-23.

### Crime Insurance Guide

9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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