---
title: "Chubb vs Heffernan Insurance Brokers: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/chubb-vs-heffernan/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "chubb-vs-heffernan"
provider-a: "chubb"
provider-b: "heffernan"
coverage-line: "crime"
---

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[Human-readable page](https://spot.insure/compare/chubb-vs-heffernan/crime)

## Agent Guide

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

**Key facts:**
- Line: Crime Insurance. Providers: Chubb 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 2026-09-25.

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

# 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 offers digital crime binding to firms below its size caps; Heffernan’s third-party theft and employee dishonesty cover is for home-care providers.

## Chubb vs Heffernan Insurance Brokers Crime Insurance Summary

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](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio")

### 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance")


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

- Confirm Heffernan is quoting home-care Crime – Third Party Theft. [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- Ask whether Heffernan is also placing the Employee Dishonesty Bond it lists separately. [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- Confirm you fit Chubb’s ForeFront size band and get crime limits. [2](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance")
- Get Heffernan’s issuing insurer; Chubb’s sheet names ACE American. [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance")

## Chubb vs Heffernan Insurance Brokers Crime Insurance Compared

| 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. [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") (Evidence: Company-reported; scope: 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. [3](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..) |
| 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](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") [2](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") (Evidence: Company-reported; scope: 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. [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") (Evidence: Company-reported; scope: 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. [3](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 | 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. [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") (Evidence: Company-reported; scope: 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. [3](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 Chubb and Heffernan Insurance Brokers and Crime Insurance

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

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

## Sources for Chubb vs Heffernan Insurance Brokers Crime Insurance

### Sources About Chubb

1. [The ForeFront Portfolio — Crime Insurance](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf). Chubb; Crime Risks: Real & Rising claim-type list (Social Engineering Fraud, Employee Theft, Client Theft, Funds Transfer Fraud); Online Ease section on Chubb Marketplace; insurer disclosure line. Accessed 2026-09-23.
2. [The ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). Chubb; Available Coverages: Crime Insurance listed among the ForeFront Portfolio's seven coverage parts; Chubb Marketplace quoting. Accessed 2026-09-23.

### Sources About Heffernan Insurance Brokers

3. [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 2026-09-25. 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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