CNA vs 
Heffernan Insurance Brokers: How Do They Compare for Fidelity Bonds?
CNA Small Business Insurance: Products, Agents and Service
CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. 1,2,3
What Is Heffernan Insurance Brokers?
Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. 5,6,7
What Are Fidelity Bonds?
Fidelity coverage can reimburse certain losses when employees steal money or property they handle. If employees manage company funds, customer property or benefit-plan assets, identify each owner and compare the required protection for each interest. 11,12,13
Key Differences in Fidelity Bonds
Named forms and practice-specific products
CNA names dishonesty, janitorial-services, blanket, scheduled and pension-trust (ERISA) bonds. Heffernan’s Home Care page lists an Employee Dishonesty Bond, while its Family Office page lists a Fidelity/financial institution bond ( 4 8 9). CNA gives buyers a five-category bond list; Heffernan ties two bond names to particular practices. Match the named product to the contract or plan requirement.
Buyer and loss framing
CNA describes fidelity bonds as protecting businesses and their customers against employee-dishonesty losses. Heffernan lists its bond names alongside home-care services and family-office/financial-firm coverages ( 4 8 9). A home-care agency or family office can use those practice-specific labels to start its request, while CNA’s description identifies business and customer losses as the stated exposure. The labels alone do not establish that the forms respond to the same loss.
What to Confirm in Fidelity Bonds Quotes
- For the home-care or family-office exposure, which bond form, obligee, covered loss and limit would Heffernan propose?
- Which CNA form and covered parties meet the contract requirement, including any customer property exposure?
CNA and Heffernan Insurance Brokers Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
CNA Review Score
Review Score
1 rated source
Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.[1][5]
Read CNA reviewsHeffernan Insurance Brokers Review Score
Review Score
1 rated source
Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business.[6][7][8]
Read Heffernan Insurance Brokers reviewsCNA vs Heffernan Insurance Brokers Fidelity Bonds Compared
CNA vs Heffernan Insurance Brokers: Fidelity Bonds: documented features by provider
| Criteria | CNA Fidelity Bonds | Heffernan Employee Dishonesty / Fidelity Bonds |
|---|---|---|
| Role in This Line | Confirm in your quote. | Heffernan arranges fidelity-type bonds as one line within two specialty practices: an Employee Dishonesty Bond for home-care agencies and a Fidelity/financial institution bond for family offices and financial firms. It places these bonds with insurers rather than issuing them itself. 8,9Company-reported. Home Care and Family Office practice-page listings; no dedicated fidelity-bond product page was found. |
| Issuing Insurer | Confirm in your quote. | The reviewed pages do not name the insurer or bond underwriter for either the home-care Employee Dishonesty Bond or the family-office fidelity bond. 8,9Not publicly disclosed. Home Care and Family Office pages as read on 2026-09-23. |
| Who It’s For | Confirm in your quote. | Heffernan lists fidelity-type bonds for two named buyer segments: home care, home health, and hospice agencies, and family offices, trustees, financial advisors, private equity firms, and foundations. 8,9Company-reported. Direct practice-page listings; no minimum size or other eligibility criteria for the bond specifically were published. |
| Coverage Features | CNA describes fidelity bonds as protection for businesses and their customers against losses from employee dishonesty. 4Company-reported. Entity: CNA Surety offering; exact surety/issuer entity varies by bond/state Product: commercial fidelity bonds Jurisdiction: United States; exact state availability not specified on page Research source scope: Commercial/contract surety; US plus Canada/Puerto Rico Claim limitation: Company-reported description; bond form and terms govern. CNA identifies dishonesty, janitorial-services, blanket, scheduled and pension-trust (ERISA) bonds in its fidelity portfolio. 4Company-reported. Entity: CNA Surety offering Product: commercial fidelity bonds Jurisdiction: United States Research source scope: Commercial/contract surety; US plus Canada/Puerto Rico Claim limitation: Product list does not publish limits, exclusions or eligibility. | Heffernan uses two different bond product names for its two client segments: "Employee Dishonesty Bond" for home-care agencies and "Fidelity/financial institution bond" for family offices and financial firms. Neither page describes the bond's insuring agreement, exclusions, or claim triggers. 8,9Company-reported. Home Care and Family Office pages as read on 2026-09-23. |
| Limits and Retentions | Confirm in your quote. | Neither the home-care nor the family-office page publishes a bond penalty amount, limit, or deductible for the fidelity coverage. 8,9Not found in reviewed sources. Home Care and Family Office pages as read on 2026-09-23. |
| Risk Services | CNA says experienced claims specialists help resolve surety and fidelity claims. 4Company-reported. Entity: CNA Surety offering Product: surety and fidelity claims services Jurisdiction: United States Research source scope: Commercial/contract surety; US plus Canada/Puerto Rico Claim limitation: Company description; no response-time or settlement-performance data disclosed. | Heffernan's published claims-advocacy services list workers' compensation, general liability, auto, and property claims support; fidelity or crime-bond claims handling is not described on that page. 10Not found in reviewed sources. Claims Advocacy page as read on 2026-09-23; does not establish that fidelity-bond claims receive no support, only that this page does not describe it. |
Related Pages for CNA vs Heffernan Insurance Brokers Fidelity Bonds
Fidelity Bonds Pages for CNA and Heffernan Insurance Brokers
Other Coverage Lines Compared for CNA vs Heffernan Insurance Brokers
Other Fidelity Bonds Provider Comparisons
Sources for CNA vs Heffernan Insurance Brokers Fidelity Bonds
Sources About CNA
- Insurance for Small Businesses. CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark). Accessed 2026-09-28.
- CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
- General Disclaimer. CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29. Accessed 2026-09-29.
- CNA Surety - Surety and Fidelity Bonds | CNA Insurance. CNA; Surety/fidelity product sections, geography, agents/brokers, bONdLINE and claims services. Accessed 2026-09-28.
Sources About 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; We offer comprehensive coverage for: ... Crime - Third Party Theft, Employee Dishonesty Bond, Cyber & Identity Theft, Medical Billing E&O, Property Coverage and more. Accessed 2026-09-23.
- Family Office. Heffernan Insurance Brokers; Coverage for Family Offices, Trustees & Financial Firms: ... Trustee liability insurance, Property and auto insurance, Fiduciary liability insurance, Fidelity/financial institution bond, Cyber liability insurance, Crime insurance, General liability insurance. Accessed 2026-09-23.
- Claims Advocacy. Heffernan Insurance Brokers; Services We Offer: Workers' Compensation Claims Expertise; Medical Triage Services; General Liability, Auto & Property Claims Support; Online Risk Management & HR Support; Streamlined Vendor Compliance. Accessed 2026-09-23.
Sources for the Fidelity Bonds Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Fidelity; Surety Bond. Accessed 2026-09-16.
- Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements. U.S. Department of Labor, Employee Benefits Security Administration; Q1–Q3 pp.2–3; Q2 pp.2–3. Accessed 2026-09-16.
- Crime Terms and Conditions. Travelers Casualty and Surety Company of America; I.A.1–3 p.1; III.S pp.8–9; V.B.1–2 pp.18–20; CRI consideration p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; IV.L p.15. Accessed 2026-09-16.
