---
title: "CFC vs Heffernan Insurance Brokers: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/cfc-vs-heffernan/crime"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-heffernan"
provider-a: "cfc"
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/cfc-vs-heffernan/crime)

## Agent Guide

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

**Key facts:**
- Line: Crime Insurance. Providers: CFC 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 2026-09-29.

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

# 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 sells crime cover within its home-care, home-health and hospice program; CFC's sits inside a management-liability package for other companies, excluding California-based and U.S. public companies.

## CFC vs Heffernan Insurance Brokers Crime Insurance Summary

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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [2](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [6](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

### 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [6](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.cfc.com/en-us/claims/ "Claims")

## 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- CFC also sells crime inside a separate fintech package; ask which package your quote uses. [3](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance")
- Neither publishes crime limits or names the issuing insurer; get both in writing before you bind. [6](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

## CFC vs Heffernan Insurance Brokers Crime Insurance Compared

| 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. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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. [6](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..) |
| Coverage Features | CFC's brochure describes company crime cover including employee theft, funds transfer fraud, and credit card and currency fraud. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'Crime cover' description; the issued policy wording determines the actual insuring agreements and any sub-limits..)<br><br>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. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'Crime cover' description..)<br><br>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](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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. [6](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 | 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [2](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") (Evidence: Company-reported; scope: 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. [6](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..) |

## About CFC and Heffernan Insurance Brokers and Crime Insurance

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/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 CFC vs Heffernan Insurance Brokers Crime Insurance

- [CFC vs Heffernan Insurance Brokers](https://spot.insure/compare/cfc-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.
- [CFC Crime Insurance](https://spot.insure/insurance-providers/cfc/crime)
- [Heffernan Insurance Brokers Crime Insurance](https://spot.insure/insurance-providers/heffernan/crime)

## Sources for CFC vs Heffernan Insurance Brokers Crime Insurance

### Sources About CFC

1. [Management liability — United States product brochure](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf). CFC; Crime cover; At a glance: What we like; What we decline; What else is in the policy?. Accessed 2026-09-23.
2. [Management liability](https://www.cfc.com/en-us/products/class/management-liability/). CFC; Our management liability products: Management liability, Side A DIC. Accessed 2026-09-23.
3. [Fintech insurance](https://www.cfc.com/en-us/products/industry/fintech/). CFC; What does CFC's fintech policy cover? Crime coverage for employee infidelity and third-party fraud. Accessed 2026-09-23.
4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
5. [Claims](https://www.cfc.com/en-us/claims/). CFC; Notify a claim or cyber incident; We're in it with you. Accessed 2026-09-23.

### Sources About Heffernan Insurance Brokers

6. [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 2026-09-29. 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/cfc-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)