---
title: "Coalition vs Heffernan Insurance Brokers: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/coalition-vs-heffernan/crime"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "coalition-vs-heffernan"
provider-a: "coalition"
provider-b: "heffernan"
coverage-line: "crime"
---

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

## Agent Guide

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

**Key facts:**
- Line: Crime Insurance. Providers: Coalition 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 2026-09-29.

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

# 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 eligible private and nonprofit buyers a possible $10 million per-line limit; Heffernan’s crime and bond cover is for home care.

## Coalition vs Heffernan Insurance Brokers Crime Insurance Summary

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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](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. [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [1](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. [3](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. [2](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. [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## Coalition vs Heffernan Insurance Brokers Crime Insurance Compared

| 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. [1](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. [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 | Coalition distributes Executive Risks, including crime, only through appointed insurance brokers rather than direct to buyers. [1](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. [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 | 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. [1](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. [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 | Coalition designs and distributes crime insurance as one of four coverages in its Executive Risks product suite, sold through appointed brokers. [1](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. [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 Coalition and Heffernan Insurance Brokers and Crime Insurance

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

- [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 addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [Coalition Crime Insurance](https://spot.insure/insurance-providers/coalition/crime)
- [Heffernan Insurance Brokers Crime Insurance](https://spot.insure/insurance-providers/heffernan/crime)

## Sources for Coalition vs Heffernan Insurance Brokers Crime Insurance

### Sources About Coalition

1. [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.
2. [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.

### 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 2026-09-29. 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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