Coalition vs 
Heffernan Insurance Brokers: How Do They Compare for Crime Insurance?
Heffernan Insurance Brokers builds third-party-theft crime into home care and hospice packages; Coalition offers crime to private and nonprofit organizations in all 50 states through appointed brokers.
Coalition offers private and nonprofit U.S. organizations a possible $10 million crime limit per line; Heffernan pairs third-party theft with an employee dishonesty bond for home-care businesses. 1,2,3
What Are the Key Differences Between Coalition and Heffernan Insurance Brokers Crime Insurance?
Broad Executive Risks Versus Home-Care Crime Package
Coalition includes crime in Executive Risks for private and nonprofit U.S. organizations and may offer up to $10 million per line. Heffernan pairs third-party theft with a separate employee-dishonesty bond for home-care businesses and tells applicants to start at least 30 days before serving clients. Choose Coalition if you are an eligible private or nonprofit organization needing the broader package; choose Heffernan if you run a home-care business and can meet the 30-day application lead time. 1 3
Named Paper and Limit Figure Versus Unpublished Bond Amounts
Coalition names Zurich American as the admitted Executive Risks carrier, with unaffiliated surplus as an alternate route, and says per-line limits up to $10 million may be available. Heffernan’s home-care page does not name an insurer for crime or employee dishonesty and does not publish specific limits or bond amounts. 2 1 3
What Sits Next to Crime on Each Side
Coalition groups crime with D&O, EPL and fiduciary inside Executive Risks. Heffernan lists Crime – Third Party Theft and a separate Employee Dishonesty Bond alongside workers’ compensation, general and professional liability, and cyber and identity theft for home-care clients. 1 3
How You Start and Who You Talk To
Coalition buyers use an appointed broker. Heffernan tells home-care businesses to start at least 30 days before working with clients, contact the firm for a rate quote because rates vary by state, and names a Home Care Practice Leader and regional leaders as contacts. 1 3
What Should You Confirm in Coalition and Heffernan Insurance Brokers Crime Insurance Quotes?
- If you are not a home-care, home-health or hospice operator, Heffernan’s reviewed pages do not describe crime for your industry; Coalition’s FAQ still has private and not-for-profit size caps. 3 1
- Get Heffernan’s issuing insurer and any employee-dishonesty bond amount; those figures are not on the home-care page. 3
- Ask Coalition whether crime is Zurich admitted or surplus Executive Risks paper. 2
- Compare third-party theft wording on Heffernan’s package with Coalition’s theft, fraud and certain-cybercrime description. 3 1
Coalition vs Heffernan Insurance Brokers Crime Insurance Compared
Coalition vs Heffernan Insurance Brokers: Crime Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Crime Insurance | Heffernan Home Care Crime Insurance |
|---|---|---|
| Who It’s For | Coalition says Executive Risks products, including crime, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. 1Company-reported. Executive Risks FAQ as read on 2026-09-23. | 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 | Coalition distributes Executive Risks, including crime, only through appointed insurance brokers rather than direct to buyers. 1Company-reported. Executive Risks product page as read on 2026-09-23. | 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 | Coalition says its crime coverage responds to losses from criminal activities including theft, fraud, and certain cybercrimes, flagged on the page as subject to exclusions and limitations. 1Company-reported. Executive Risks product page as read on 2026-09-23; the issued policy controls which cybercrime scenarios are actually covered. | 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 | Coalition designs and distributes crime insurance as one of four coverages in its Executive Risks product suite, sold through appointed brokers. 1Company-reported. Executive Risks product page as read on 2026-09-23. | 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. |
