---
title: "Coalition vs Heffernan Insurance Brokers Crime Insurance"
description: "Coalition’s Executive Risks crime is for private and not-for-profit U.S. organizations; Heffernan lists crime only inside home-care packages."
canonical: "https://spot.insure/compare/coalition-vs-heffernan/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# 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.

## Research Scope and Use

Use this comparison to evaluate Coalition and Heffernan Insurance Brokers for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Coalition distributes crime in Executive Risks for private and not-for-profit U.S. organizations and names Zurich American as admitted paper. Heffernan arranges Crime – Third Party Theft and a separate Employee Dishonesty Bond only as documented on its home-care, home-health and hospice pages. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## 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](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [2](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") [3](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products "Are there any differences between Coalition’s admitted and surplus lines products?") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

[Coalition profile](https://spot.insure/insurance-providers/coalition)

## 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](https://www.heffins.com/about-us/our-story/ "Our Story") [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [8](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

[Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan)

## What Is Crime Insurance?

Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### 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](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- Get Heffernan’s issuing insurer and any employee-dishonesty bond amount; those figures are not on the home-care page. [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- Ask Coalition whether crime is Zurich admitted or surplus Executive Risks paper. [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")
- Compare third-party theft wording on Heffernan’s package with Coalition’s theft, fraud and certain-cybercrime description. [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## Offering Details

| 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [9](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..) |
| 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. [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Company-reported; scope: 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. [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Not publicly disclosed; scope: 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [9](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..) |
| 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [9](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..) |
| 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Not publicly disclosed; scope: 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. [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [9](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..) |

## Full Comparison

- [Coalition vs Heffernan Insurance Brokers](https://spot.insure/compare/coalition-vs-heffernan): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.
- [Coalition vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/coalition-vs-heffernan/cyber)
- [Coalition vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/coalition-vs-heffernan/employment-practices)
- [Coalition vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/coalition-vs-heffernan/fiduciary)
- [Coalition vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/coalition-vs-heffernan/professional-errors-omissions)
- [Alliance Risk vs Coalition Crime Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/crime)
- [Alliance Risk vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/crime)
- [Beazley vs Coalition Crime Insurance](https://spot.insure/compare/beazley-vs-coalition/crime)
- [Beazley vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/beazley-vs-heffernan/crime)
- [CFC vs Coalition Crime Insurance](https://spot.insure/compare/cfc-vs-coalition/crime)
- [CFC vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/cfc-vs-heffernan/crime)

## Sources

### Coalition

1. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). 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.
2. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
3. [Are there any differences between Coalition’s admitted and surplus lines products?](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-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.
4. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). 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.
5. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). 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

6. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
7. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). 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.
8. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). 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.
9. [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.

### Crime Insurance Guide

10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.

Updated 2026-09-23. 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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