---
title: "Beazley vs Heffernan Insurance Brokers Fidelity Bonds"
description: "Beazley underwrites Financial Fidelity Bonds for institutions; Heffernan places employee-dishonesty bonds for home care and FI bonds for family offices."
canonical: "https://spot.insure/compare/beazley-vs-heffernan/fidelity-bonds"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Beazley vs Heffernan Insurance Brokers Fidelity Bonds

Beazley underwrites Financial Fidelity Bonds for institutions; Heffernan places employee-dishonesty bonds for home care and FI bonds for family offices.

## Research Scope and Use

Use this comparison to evaluate Beazley and Heffernan Insurance Brokers for Fidelity Bonds 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

Beazley issues Financial Fidelity Bonds for financial institutions, with advertised limits up to US $25 million and Forms 14, 15, 24 and 25. Heffernan lists an Employee Dishonesty Bond for home-care agencies and a Fidelity/financial institution bond for family offices and financial firms, without publishing insuring agreements or penalties. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [10](https://www.heffins.com/family-office/ "Family Office")

## What Is Beazley?

Beazley is a specialty insurance group whose MediaTech product combines technology and professional E&O, media and cyber coverage. Separate offerings address executive liability, digital health and other specialty risks. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

[Beazley profile](https://spot.insure/insurance-providers/beazley)

## 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. [6](https://www.heffins.com/about-us/our-story/ "Our Story") [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [8](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

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

## What Are Fidelity Bonds?

Fidelity bonds and employee-dishonesty policies address losses caused by dishonest employees, within the limits and terms purchased. [12](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms")

## Key Differences in Fidelity Bonds

### Issued Institution Bond Versus Two Specialty Listings

Beazley underwrites Financial Fidelity Bonds for financial institutions. Heffernan arranges fidelity-type bonds as a broker inside two practices: an Employee Dishonesty Bond for home-care agencies and a Fidelity/financial institution bond for family offices, trustees, financial advisors, private equity firms and foundations. Beazley is the writer on its bond; Heffernan places unnamed insurers. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [10](https://www.heffins.com/family-office/ "Family Office")

### Itemized Crime Covers Versus Unspecified Bond Names

Beazley describes employee theft plus forgery, on-premises and in-transit loss, money-order and counterfeit-currency fraud, computer fraud, client-property loss, credit-card fraud and related expenses. Heffernan’s home-care and family-office pages name the two products but do not describe insuring agreements, exclusions or claim triggers. A buyer can read Beazley’s cover list on the product page; Heffernan’s reviewed pages do not provide that list. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [10](https://www.heffins.com/family-office/ "Family Office")

### Forms and $25 Million Versus Unpublished Penalties

Beazley advertises limits up to US $25,000,000 and lists FI Bond Forms 14, 15, 24 and 25. Heffernan’s reviewed pages do not publish a bond penalty or deductible. Heffernan’s claims-advocacy page lists workers’ compensation, general liability, auto and property support and does not describe fidelity-bond claims handling. Beazley links a general claim-notification channel. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [10](https://www.heffins.com/family-office/ "Family Office") [11](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy")

## What to Confirm in Fidelity Bonds Quotes

- Ask Beazley which FI form applies and whether the $25 million headline is your maximum. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")
- Ask Heffernan whether you are quoting the home-care Employee Dishonesty Bond or the family-office financial institution bond, and which insurer writes it. [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [10](https://www.heffins.com/family-office/ "Family Office")
- Get specimen insuring agreements from Heffernan, which the practice pages do not publish. [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [10](https://www.heffins.com/family-office/ "Family Office")
- Confirm how fidelity claims are reported on each side. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [11](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy")

## Offering Details

| Criteria | Beazley Financial Fidelity Bonds | Heffernan Employee Dishonesty / Fidelity Bonds |
| --- | --- | --- |
| Role in This Line | Beazley underwrites Financial Fidelity Bonds, which it markets specifically to financial institutions, as a separate line from the Commercial Crime product it sells to ordinary commercial companies on the same page. [5](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; "fidelity bonds" is the name the page uses for the financial-institution version of this crime coverage..) | Heffernan arranges fidelity-type bonds as one line within two specialty practices: an Employee Dishonesty Bond for home-care agencies and a Fidelity/financial institution bond for family offices and financial firms. It places these bonds with insurers rather than issuing them itself. [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [10](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Home Care and Family Office practice-page listings; no dedicated fidelity-bond product page was found..) |
| Issuing Insurer | Not described in the reviewed sources. | The reviewed pages do not name the insurer or bond underwriter for either the home-care Employee Dishonesty Bond or the family-office fidelity bond. [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [10](https://www.heffins.com/family-office/ "Family Office") (Evidence: Not publicly disclosed; scope: Home Care and Family Office pages as read on 2026-09-23..) |
| Who It’s For | Beazley says its expert team underwrites Financial Fidelity Bonds for financial institutions. The page does not name which types of financial institution (e.g., banks, credit unions, broker-dealers) qualify. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product-page target-customer statement; no institution-type list or asset-size threshold is published..) | Heffernan lists fidelity-type bonds for two named buyer segments: home care, home health, and hospice agencies, and family offices, trustees, financial advisors, private equity firms, and foundations. [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [10](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Direct practice-page listings; no minimum size or other eligibility criteria for the bond specifically were published..) |
| Coverage Features | Beazley describes fidelity bonds as protecting a financial institution from loss of money and securities caused by employee theft, 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 expenses. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product page's general description of crime/fidelity coverage; the page does not itemize a separate insuring-agreement list for fidelity bonds versus Commercial Crime..)<br><br>The reviewed page attributes its fraudulent-instruction (social-engineering) insuring agreement and out-of-band-authentication condition to "our Commercial Crime policy" specifically. It does not state that Financial Fidelity Bonds include this same insuring agreement. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Not found in reviewed sources; scope: Checked against the full product page text as of 2026-09-23; absence of a fidelity-bond-specific statement is not evidence the coverage is unavailable to financial institutions..) | Heffernan uses two different bond product names for its two client segments: "Employee Dishonesty Bond" for home-care agencies and "Fidelity/financial institution bond" for family offices and financial firms. Neither page describes the bond's insuring agreement, exclusions, or claim triggers. [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [10](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Home Care and Family Office pages as read on 2026-09-23..) |
| Limits and Retentions | The product page advertises limits of up to US $25,000,000 for this line without separately breaking out a fidelity-bond-specific maximum from the Commercial Crime figure on the same page. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Shared headline limit figure; retentions and bond-specific sub-limits are not published..) | Neither the home-care nor the family-office page publishes a bond penalty amount, limit, or deductible for the fidelity coverage. [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [10](https://www.heffins.com/family-office/ "Family Office") (Evidence: Not found in reviewed sources; scope: Home Care and Family Office pages as read on 2026-09-23..) |
| Risk Services | Beazley says its underwriting and claims professionals for this product family work side by side so that the original underwriting intent is respected when a claim arises. [5](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 applying to the Crime and Fidelity product family generally; no fidelity-bond-specific service is separately described..) | Heffernan's published claims-advocacy services list workers' compensation, general liability, auto, and property claims support; fidelity or crime-bond claims handling is not described on that page. [11](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") (Evidence: Not found in reviewed sources; scope: Claims Advocacy page as read on 2026-09-23; does not establish that fidelity-bond claims receive no support, only that this page does not describe it..) |
| How to Apply | Beazley lists dedicated Financial Institution bond application forms in its Tools & Resources: FI Bond Form 14, Form 15, Form 24 and Form 25, separate from the Commercial Crime application forms on the same page. [5](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..) | Not described in the reviewed sources. |
| Claims Support | The product page links to Beazley's general claim-notification channel for this line. It does not disclose a claims response-time commitment or a dedicated claims process specific to Financial Fidelity Bonds. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Not publicly disclosed; scope: Product page "Notify a Claim" link as read on 2026-09-23; response times were not found..) | Not described in the reviewed sources. |

## Full Comparison

- [Beazley vs Heffernan Insurance Brokers](https://spot.insure/compare/beazley-vs-heffernan): all coverage lines, business roles, service and claims.
- [What Are Fidelity Bonds?](https://spot.insure/coverage/fidelity-bonds): Fidelity bonds and employee-dishonesty coverage protect against specified losses caused by dishonest employees or people handling plan assets.
- [Beazley vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/beazley-vs-heffernan/commercial-property)
- [Beazley vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/beazley-vs-heffernan/crime)
- [Beazley vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/beazley-vs-heffernan/cyber)
- [Beazley vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-heffernan/employment-practices)
- [Beazley vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-heffernan/fiduciary)
- [Beazley vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/beazley-vs-heffernan/general-liability)
- [Beazley vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-heffernan/hired-non-owned-auto)
- [Beazley vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-heffernan/medical-malpractice)
- [Beazley vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-heffernan/professional-errors-omissions)
- [Beazley vs Heffernan Insurance Brokers Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-heffernan/representations-warranties)
- [Beazley vs Coverdash Fidelity Bonds](https://spot.insure/compare/beazley-vs-coverdash/fidelity-bonds)
- [Beazley vs Founder Shield Fidelity Bonds](https://spot.insure/compare/beazley-vs-foundershield/fidelity-bonds)
- [Beazley vs Gallagher Fidelity Bonds](https://spot.insure/compare/beazley-vs-gallagher/fidelity-bonds)
- [Beazley vs HUB International Fidelity Bonds](https://spot.insure/compare/beazley-vs-hub-international/fidelity-bonds)
- [Beazley vs Marsh Fidelity Bonds](https://spot.insure/compare/beazley-vs-marsh/fidelity-bonds)
- [Coverdash vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/coverdash-vs-heffernan/fidelity-bonds)

## Sources

### Beazley

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
2. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
3. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16.
4. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
5. [Crime and Fidelity](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime). Beazley; What we offer: Financial Fidelity Bonds for financial institutions; Limits up to US $25,000,000; How can we help; Tools & Resources FI Bond application forms. Accessed 2026-09-23.

### Heffernan Insurance Brokers

6. [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.
7. [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.
8. [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.
9. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). Heffernan Insurance Brokers; We offer comprehensive coverage for: ... Crime - Third Party Theft, Employee Dishonesty Bond, Cyber & Identity Theft, Medical Billing E&O, Property Coverage and more. Accessed 2026-09-23.
10. [Family Office](https://www.heffins.com/family-office/). Heffernan Insurance Brokers; Coverage for Family Offices, Trustees & Financial Firms: ... Trustee liability insurance, Property and auto insurance, Fiduciary liability insurance, Fidelity/financial institution bond, Cyber liability insurance, Crime insurance, General liability insurance. Accessed 2026-09-23.
11. [Claims Advocacy](https://www.heffins.com/business-insurance/claims-advocacy/). Heffernan Insurance Brokers; Services We Offer: Workers' Compensation Claims Expertise; Medical Triage Services; General Liability, Auto & Property Claims Support; Online Risk Management & HR Support; Streamlined Vendor Compliance. Accessed 2026-09-23.

### Fidelity Bonds Guide

12. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Fidelity; Surety Bond. 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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