---
title: "Beazley vs Heffernan Insurance Brokers: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/beazley-vs-heffernan/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "beazley-vs-heffernan"
provider-a: "beazley"
provider-b: "heffernan"
coverage-line: "crime"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/beazley-vs-heffernan/crime)

## Agent Guide

**What this page is:** Focused comparison of Beazley and Heffernan Insurance Brokers for Crime Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Crime Insurance questions about Beazley versus Heffernan Insurance Brokers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Beazley vs Heffernan Insurance Brokers for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Beazley or Heffernan Insurance Brokers?
- What does Beazley or Heffernan Insurance Brokers publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Beazley and Heffernan Insurance Brokers.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Beazley vs Heffernan Insurance Brokers](https://spot.insure/compare/beazley-vs-heffernan) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile

# 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 sells standalone commercial crime with limits up to $25 million; Heffernan only documents crime as third-party theft and employee dishonesty cover inside home-care packages.

## Beazley vs Heffernan Insurance Brokers Crime Insurance Summary

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](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [2](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## 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](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [2](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### 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](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [2](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### 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](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [2](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- Ask Beazley what limit you'll actually be offered against the $25 million maximum, and the retention. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")
- Check your payment process meets Beazley's out-of-band authentication condition before relying on social-engineering cover. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")
- Ask Heffernan whether its third-party theft cover includes funds-transfer or social-engineering fraud. [2](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## Beazley vs Heffernan Insurance Brokers Crime Insurance Compared

| 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. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: 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. [2](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..) |
| 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. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: 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. [2](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..) |
| 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. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product-page description of insuring agreements; exclusions, conditions and available sub-limits appear only in the issued policy..)<br><br>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. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: 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. [2](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..) |
| 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. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: 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. [2](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..) |
| 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. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: 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. [2](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..) |

## About Beazley and Heffernan Insurance Brokers and Crime Insurance

- [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews)
- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Beazley vs Heffernan Insurance Brokers Crime

- [Beazley vs Heffernan Insurance Brokers](https://spot.insure/compare/beazley-vs-heffernan): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [Beazley Crime Insurance](https://spot.insure/insurance-providers/beazley/crime)
- [Heffernan Insurance Brokers Crime Insurance](https://spot.insure/insurance-providers/heffernan/crime)

## Sources for Beazley vs Heffernan Insurance Brokers Crime Insurance

### Sources About Beazley

1. [Crime and Fidelity](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime). Beazley; What we offer: Commercial Crime for commercial companies; fraudulent-instruction/social-engineering insuring agreement and out-of-band authentication condition; Limits up to US $25,000,000; How can we help; Tools & Resources application forms. Accessed 2026-09-23.

### Sources About Heffernan Insurance Brokers

2. [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.

Updated 2026-09-25. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/beazley-vs-heffernan/crime.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)