Chubb vs 
Heffernan Insurance Brokers: How Do They Compare for Crime Insurance?
Heffernan Insurance Brokers builds crime coverage into its home care, home health and hospice packages; Chubb underwrites crime as part of its ForeFront Portfolio for private, not-for-profit and healthcare organizations.
Chubb ForeFront targets firms below 250 employees and $50 million in revenue; Heffernan bundles third-party theft and employee dishonesty cover for home-care agencies and hospice businesses. 1,3
What Are the Key Differences Between Chubb and Heffernan Insurance Brokers Crime Insurance?
Home-Care Application Lead Time Versus Online Binding
Heffernan serves home-care businesses, home-health and hospice providers, staffing agencies and registries, infusion therapy providers and personal care assistants. It tells applicants to start at least 30 days before serving clients and lists an Employee Dishonesty Bond separately from Crime – Third Party Theft. Chubb offers digital binding for ForeFront, targeting organizations below 250 employees and $50 million in revenue. Choose Heffernan if you run a home-care or hospice business and need its package; choose Chubb if your organization fits those size caps and you want to bind online. 3 2
Crime Cover Labels
Heffernan lists Crime – Third Party Theft among home-care coverages. Chubb lists client theft of a client’s money or property by an employee, social-engineering fraud, employee theft including temporary and contracted workers, and funds-transfer fraud unreimbursed by the insured’s bank. 3 1
What Should You Confirm in Chubb and Heffernan Insurance Brokers Crime Insurance Quotes?
Chubb vs Heffernan Insurance Brokers Crime Insurance Compared
Chubb vs Heffernan Insurance Brokers: Crime Insurance: documented features by provider
| Criteria | Chubb ForeFront Portfolio Crime Insurance | Heffernan Home Care Crime Insurance |
|---|---|---|
| Who It’s For | On Chubb Marketplace, the ForeFront Portfolio's target underwriting appetite is organizations with fewer than 250 employees and less than $50 million in revenue. 1Company-reported. Online Ease section; applies to Marketplace-quoted ForeFront business generally, not exclusively Crime coverage. | 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. 3Company-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. |
| How to Apply | The ForeFront Portfolio, including Crime coverage, is available on Chubb Marketplace, Chubb's platform for quoting, binding and issuing business digitally. 1,2Company-reported. Online Ease section; agents and brokers use Marketplace to place the policy. | 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. 3Company-reported. Home Care Business Insurance page's cost-and-timing section. |
| Coverage Features | Chubb lists social engineering fraud, employee theft (including temporary and contracted workers), client theft of a client's money or property by an employee, and funds transfer fraud for losses from fraudulent electronic transfers unreimbursed by the insured's bank. 1Company-reported. Crime Risks: Real & Rising list; illustrated with claim scenarios, not policy wording. | 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. 3Company-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 | Chubb underwrites Crime Insurance as one of seven coverage parts within its ForeFront Portfolio for private companies, not-for-profit and healthcare organizations, insuring against theft and embezzlement by trusted employees and outsiders. 1Company-reported. ForeFront Portfolio Crime Insurance product sheet. | 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. 3Company-reported. Home Care Business Insurance page's coverage list. |
