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

Heffernan Insurance Brokers builds third-party-theft crime into packages for home care and hospice businesses; CFC offers crime inside a management liability package that covers employee theft and funds-transfer fraud.

Heffernan arranges third-party theft cover and an employee dishonesty bond as part of home-care, home-health and hospice insurance packages. CFC bundles employee theft, funds-transfer and credit-card fraud into its US Management Liability package, which declines California-based and U.S. publicly traded companies. ^1,^2,⁶

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

Home-Care Agencies vs Other Private Companies

Heffernan's published crime cover sits in its home-care program, marketed to home-health providers, hospices, staffing agencies and registries, infusion therapy providers and personal care assistants in all states and agency sizes. CFC's crime section comes with its management-liability package, and its brochure turns away California-domiciled businesses and U.S. public companies. Choose Heffernan if you run a home-care or hospice agency and want crime placed with your workers' comp and liability; choose CFC if you are a non-California private company that wants crime alongside its other management-liability cover. ⁶ ¹

What the Crime Cover Protects

CFC lists employee theft, funds-transfer fraud, credit-card and currency fraud, client crime and on- or off-premises theft. Heffernan lists third-party theft plus a separate employee dishonesty bond, without publishing further terms. ¹ ⁶

Getting Covered and Filing Claims

Heffernan tells agencies to start applying at least 30 days before serving clients and quotes for free, with rates varying by state. CFC says a dedicated adjuster handles a US claim from notification by phone, email or online form through resolution. ⁶ ⁵

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

Ask Heffernan whether the quote includes both third-party theft and the employee dishonesty bond, and the limit on each. ⁶
CFC also sells crime inside a separate fintech package; ask which package your quote uses. ³
Neither publishes crime limits or names the issuing insurer; get both in writing before you bind. ⁶ ⁴

CFC vs Heffernan Insurance Brokers Crime Insurance Compared

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

Criteria	CFC Crime	Heffernan Home Care Crime Insurance
Who It’s For	CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for the package that carries this crime coverage. ¹Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business.	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. ⁶Company-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	CFC's brochure describes company crime cover including employee theft, funds transfer fraud, and credit card and currency fraud. ¹Company-reported. Brochure's 'Crime cover' description; the issued policy wording determines the actual insuring agreements and any sub-limits. The brochure also lists client crime, meaning fraud by clients or their staff, and on-premises and off-premises theft, as part of the crime section. ¹Company-reported. Brochure's 'Crime cover' description. CFC separately sells crime coverage for employee infidelity and third-party fraud within its fintech package. The reviewed pages do not state whether that fintech crime coverage is the same crime coverage sold inside the management-liability package. ^3,¹Company-reported. Fintech product page compared against the management-liability brochure; both accessed 2026-09-23. This does not establish overlap or difference in wording between the two products.	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. ⁶Company-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	CFC includes crime coverage inside its US Management Liability package. The reviewed management-liability materials do not offer it as a standalone product within that package. ^1,²Company-reported. Management-liability product page and brochure; package composition as CFC describes it.	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. ⁶Company-reported. Home Care Business Insurance page's coverage list.

Criteria

CFC Crime

Heffernan Home Care Crime Insurance

Who It’s For

CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for the package that carries this crime coverage. ¹Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business.

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. ⁶Company-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

CFC's brochure describes company crime cover including employee theft, funds transfer fraud, and credit card and currency fraud. ¹Company-reported. Brochure's 'Crime cover' description; the issued policy wording determines the actual insuring agreements and any sub-limits.

The brochure also lists client crime, meaning fraud by clients or their staff, and on-premises and off-premises theft, as part of the crime section. ¹Company-reported. Brochure's 'Crime cover' description.

CFC separately sells crime coverage for employee infidelity and third-party fraud within its fintech package. The reviewed pages do not state whether that fintech crime coverage is the same crime coverage sold inside the management-liability package. ^3,¹Company-reported. Fintech product page compared against the management-liability brochure; both accessed 2026-09-23. This does not establish overlap or difference in wording between the two products.

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. ⁶Company-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

CFC includes crime coverage inside its US Management Liability package. The reviewed management-liability materials do not offer it as a standalone product within that package. ^1,²Company-reported. Management-liability product page and brochure; package composition as CFC describes it.

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. ⁶Company-reported. Home Care Business Insurance page's coverage list.