Coalition vs 
Heffernan Insurance Brokers Crime Insurance
Coalition’s Executive Risks crime is for private and not-for-profit U.S. organizations; Heffernan lists crime only inside home-care packages.
What Is Coalition Insurance?
Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. 1,2,3,4
What Is Heffernan Insurance Brokers?
Heffernan Insurance Brokers is an independent, Walnut Creek–headquartered retail brokerage that arranges business insurance, employee benefits, and related services. Its technology practice markets to mid- and late-stage companies, including venture-funded and pre-IPO firms. 6,7,8
What Is Crime Insurance?
Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. 10
Key Differences in Crime Insurance
General Executive-Risks Crime Versus Home-Care Package Line
Coalition designs crime for its Executive Risks suite and sells it through appointed brokers to private and not-for-profit U.S. organizations. The reviewed Heffernan sources document crime only as “Crime – Third Party Theft” inside insurance packages for home care, home health and hospice businesses; they do not describe a general commercial crime offering outside that setting. 4 9
Named Paper and Limit Figure Versus Unpublished Bond Amounts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. 5 4 9
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. 4 9
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. 4 9
What to Confirm in 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. 9 4
- Get Heffernan’s issuing insurer and any employee-dishonesty bond amount; those figures are not on the home-care page. 9
- Ask Coalition whether crime is Zurich admitted or surplus Executive Risks paper. 5
- Compare third-party theft wording on Heffernan’s package with Coalition’s theft, fraud and certain-cybercrime description. 9 4
Offering Details
Coalition vs Heffernan Insurance Brokers Crime Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Crime Insurance | Heffernan Home Care Crime Insurance |
|---|---|---|
| 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. 4Company-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. 9Company-reported. Home Care Business Insurance page's coverage list. |
| Issuing Insurer | Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific crime policy depends on the placement route. 5Company-reported. U.S. Disclaimers page as read on 2026-09-23. | The home care page does not name the insurer that would issue the crime or employee dishonesty coverage. 9Not publicly disclosed. Checked the Home Care Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations. |
| 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. 4Company-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. 9Company-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. |
| 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. 4Company-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. 9Company-reported. Home Care Business Insurance page's coverage list; specific insuring agreements, exclusions and endorsements for the crime coverage are not published there. |
| Limits and Retentions | Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including crime, subject to exclusions and limitations. 4Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant. | The home care page does not publish specific limits or bond amounts for the crime or employee dishonesty coverage; it discusses only general cost ranges for the overall home care insurance package. 9Not publicly disclosed. Checked the Home Care Business Insurance page on 2026-09-23. |
| Risk Services | Not described in the reviewed sources. | Heffernan says its home care insurance specialists can walk clients through coverage and premium options, and it names a dedicated Home Care Practice Leader and regional practice leaders as points of contact. 9Company-reported. Home Care Business Insurance page's workers'-compensation guidance and practice-leader contact sections. |
| How to Apply | Coalition distributes Executive Risks, including crime, only through appointed insurance brokers rather than direct to buyers. 4Company-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. 9Company-reported. Home Care Business Insurance page's cost-and-timing section. |
Full Comparison
More Coalition vs Heffernan Insurance Brokers Comparisons
Other Crime Insurance Comparisons
Sources
Coalition
- Tech E&O Insurance Coverage. Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
- Executive Risks. Coalition; Product Offering: Crime — covers losses that result from various criminal activities, including theft, fraud, and certain cybercrimes* (exclusions and limitations apply; see disclaimers and the policy as issued); FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders? Accessed 2026-09-23.
- U.S. Disclaimers. Coalition; Admitted Executive Risk: insurance products offered by Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies and, on an admitted basis, on behalf of Zurich American Insurance Company (NAIC # 16535). Accessed 2026-09-23.
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; 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.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
