CFC vs 
Heffernan Insurance Brokers Crime Insurance
CFC includes crime in a US management-liability package; Heffernan’s reviewed crime offering is third-party theft inside home-care insurance packages.
What Is CFC Insurance?
CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. 1,2,3,4
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. 9,10,11
What Is Crime Insurance?
Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. 13
Key Differences in Crime Insurance
Commercial Management Package Versus Home-Care Placement
CFC includes crime inside its US Management Liability package. Heffernan arranges crime listed as Crime – Third Party Theft as part of packages it builds for home care, home health and hospice; the reviewed sources do not describe a general commercial crime offering outside that home-care context. 5 12
Who Each Record Is For
Heffernan markets this crime coverage to home health and in-home health 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. CFC’s brochure lists California-domiciled business and US publicly traded companies among declined risks for the package that carries this crime coverage. 12 5
Cover Labels and Related Bonds
Heffernan lists Crime – Third Party Theft and a separate Employee Dishonesty Bond among home-care coverages, alongside workers’ compensation, general and professional liability, and cyber and identity theft. CFC’s brochure describes company crime (employee theft, funds-transfer fraud, credit-card and currency fraud) plus client crime and on- or off-premises theft, without that home-care bond pairing. 12 5
Timing, Limits and Claims
Heffernan tells home-care businesses to begin the insurance application at least 30 days before working with clients and to contact Heffernan for a free rate quote, since rates vary by state. CFC provides a US claim-notification route by phone, email and online form and says a dedicated claims adjuster manages a claim from notification through resolution. Neither Heffernan’s home-care page nor CFC’s brochure publishes specific crime limits or names the issuing insurer. 12 8 5 4
What to Confirm in Crime Insurance Quotes
- Confirm Heffernan is quoting the home-care Crime – Third Party Theft placement, not a general commercial crime form. 12
- Ask whether Heffernan is also placing the Employee Dishonesty Bond and how it sits next to the crime cover. 12
- Ask CFC whether crime is the management or fintech package, and whether California or public-company status is a decline. 5 7
- Get issuing insurers and crime limits from both; neither reviewed page publishes them. 12 4
Offering Details
CFC vs Heffernan Insurance Brokers Crime Insurance: documented features by provider
| Criteria | CFC Crime | Heffernan Home Care Crime Insurance |
|---|---|---|
| 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. 5,6Company-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. 12Company-reported. Home Care Business Insurance page's coverage list. |
| Issuing Insurer | CFC's regulatory page discloses CFC Underwriting Limited's FCA authorization and CFC's Lloyd's Syndicate 1988, managed by Asta Managing Agency Ltd, but neither the regulatory page nor the management-liability brochure names the carrier or syndicate that would issue a given US crime policy. 4,5Not publicly disclosed. Regulatory information page and brochure as read on 2026-09-23. | The home care page does not name the insurer that would issue the crime or employee dishonesty coverage. 12Not publicly disclosed. 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 | 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. 5Company-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. 12Company-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. 5Company-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. 5Company-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. 7,5Company-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. 12Company-reported. 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 | The reviewed brochure does not publish a dollar limit, sublimit or retention for crime coverage. Those figures appear only on the quote and declarations. 5Not publicly disclosed. Brochure 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. 12Not publicly disclosed. 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. 12Company-reported. 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. 12Company-reported. Home Care Business Insurance page's cost-and-timing section. |
| Claims Support | CFC provides a US claim-notification route by phone, email and online form, and says a dedicated claims adjuster manages a claim from notification through resolution. 8Company-reported. Claims page as read on 2026-09-23; not specific to crime claim outcomes or timing. | Not described in the reviewed sources. |
Full Comparison
More CFC vs Heffernan Insurance Brokers Comparisons
Other Crime Insurance Comparisons
Sources
CFC
- About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
- Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
- Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
- Regulatory information. CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
- Management liability — United States product brochure. CFC; Crime cover; At a glance: What we like; What we decline; What else is in the policy? Accessed 2026-09-23.
- Management liability. CFC; Our management liability products: Management liability, Side A DIC. Accessed 2026-09-23.
- Fintech insurance. CFC; What does CFC's fintech policy cover? Crime coverage for employee infidelity and third-party fraud. Accessed 2026-09-23.
- Claims. CFC; Notify a claim or cyber incident; We're in it with you. Accessed 2026-09-23.
Heffernan Insurance Brokers
- Our Story. Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
- Technology Company Insurance. 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.
- Heffernan Business Insurance Brokerage. 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.
- Home Care Business Insurance. 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
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
