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

Heffernan Insurance Brokers arranges crime (listed as third-party theft) within packages for home care, home health and hospice businesses; Beazley underwrites commercial crime for commercial companies, advertising limits up to $25 million.

Beazley underwrites standalone Commercial Crime for ordinary companies, with advertised limits up to US $25 million; Heffernan's documented crime cover is third-party theft and an employee dishonesty bond inside packages for home care, home health and hospice agencies. ^1,²

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

Any Commercial Company or Home-Care Agencies Only

Beazley sells Commercial Crime to ordinary commercial companies and handles banks separately through Financial Fidelity Bonds. Heffernan's crime cover is documented only for home health and in-home care providers, hospices, staffing agencies and registries, infusion therapy providers and personal care assistants, in all states and agency sizes. Choose Heffernan if you run a home-care, home-health or hospice agency and want crime bundled with workers' comp and liability; choose Beazley if you're any other commercial company and want a standalone crime policy. ¹ ²

Depth of the Crime Cover

Beazley's policy is far more detailed: employee theft of money and securities, forgery, on-premises and in-transit loss, computer fraud, client-property loss and credit-card fraud, plus a social-engineering agreement that only pays if you verify payment instructions out of band. Heffernan lists just two line items, third-party theft and an employee dishonesty bond, next to its workers' comp, liability and cyber coverages. ¹ ²

Limits and How You Get a Quote

Beazley advertises limits up to US $25,000,000 and posts separate Crime and Social Engineering applications. Heffernan publishes no crime or bond limits; it asks agencies to start at least 30 days before serving clients and request a free quote from its home-care specialists, led by a named Home Care Practice Leader. ¹ ²

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

Ask Heffernan for the crime and bond limits on their own, separate from the package price, and for the insurer issuing them. ²
Ask Beazley what limit you'll actually be offered against the $25 million maximum, and the retention. ¹
Check your payment process meets Beazley's out-of-band authentication condition before relying on social-engineering cover. ¹
Ask Heffernan whether its third-party theft cover includes funds-transfer or social-engineering fraud. ²

Beazley vs Heffernan Insurance Brokers Crime Insurance Compared

Beazley vs Heffernan Insurance Brokers: Crime Insurance: documented features by provider

Criteria	Beazley Commercial Crime	Heffernan Home Care Crime Insurance
Who It’s For	Beazley markets Commercial Crime to ordinary commercial companies, not to banks or other financial institutions, which it addresses separately through Financial Fidelity Bonds. ¹Company-reported. Product page target-customer language; no industry list or size threshold is published.	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. ²Company-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.
How to Apply	Beazley lists a standalone Crime application, a Massachusetts-specific Crime application and a separate Social Engineering application among its Tools & Resources, distinct from the Financial Fidelity Bond application forms on the same page. ¹Company-reported. Tools & Resources section of the product page; the page does not describe an online quote or self-service purchase flow.	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. ²Company-reported. Home Care Business Insurance page's cost-and-timing section.
Coverage Features	Beazley says Commercial Crime protects an organization from loss of money and securities caused by theft by its own employees, plus third-party-related losses such as forgery or alteration, on-premises and in-transit loss, money-order and counterfeit-currency fraud, computer fraud, client-property loss, credit-card fraud and related expense coverage. ¹Company-reported. Product-page description of insuring agreements; exclusions, conditions and available sub-limits appear only in the issued policy. Beazley says its Commercial Crime policy includes a fraudulent-instruction (social-engineering) insuring agreement covering losses from wire transfers made on instructions from someone posing as a vendor, client or authorized employee, and that this cover is conditioned on out-of-band authentication of payment instructions. ¹Company-reported. Product-page description; Beazley says the out-of-band-authentication condition can be removed for insureds with documented controls and response plans, subject to an additional premium.	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. ²Company-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	Beazley underwrites Commercial Crime insurance for commercial companies. The same product page separately describes Financial Fidelity Bonds, a related but distinct product line for financial institutions. ¹Company-reported. Crime and Fidelity product page; distinguishes the commercial-company product from the financial-institution fidelity bond described on the same 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. ²Company-reported. Home Care Business Insurance page's coverage list.
Risk Services	Beazley says its underwriting and claims professionals for this line work side by side so that, when a claim arises, the original underwriting intent of the policy is respected. ¹Company-reported. Company-stated internal process description; no independent claims-handling outcome data is provided.	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. ²Company-reported. Home Care Business Insurance page's workers'-compensation guidance and practice-leader contact sections.