What Is Counterpart Insurance?
Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. 1,2
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 Is Crime Insurance?
Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. 9,10,11,12,13
Key Differences in Crime Insurance
Home-Care Placement Versus General Small-Business Framing
Heffernan documents “Crime – Third Party Theft” within packages for home health, hospice, staffing, and related care providers; its page also lists a separate Employee Dishonesty Bond. Counterpart presents crime examples for small businesses without that home-care-only scope. A care agency should ask Heffernan how third-party theft applies to client homes and workers, while other industries should not assume Heffernan’s reviewed program fits them. 3 8
Scenario Detail and Application Timing
Counterpart specifically lists employee theft, forgery, computer or system fraud, funds transfers, and social engineering. Heffernan’s named commercial-crime component is third-party theft, with employee dishonesty handled as a distinct bond in the package. Heffernan also advises home-care firms to begin applying at least 30 days before serving clients. That timing and distinction matter when a care contract requires proof of crime protection. 3 8
What to Confirm in Crime Insurance Quotes
Counterpart 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.
Counterpart Review Score
Review Score
No reviews found
We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.[7][10]
Read Counterpart 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 reviewsCounterpart vs Heffernan Insurance Brokers Crime Insurance Compared
Counterpart vs Heffernan Insurance Brokers: Crime Insurance: documented features by provider
| Criteria | Counterpart Commercial Crime | Heffernan Home Care Crime Insurance |
|---|---|---|
| Role in This Line | Counterpart says its insurance is offered through Counterpart Insurance Services, Inc., which it describes as a producer and surplus-lines broker; its help center says businesses reach the program through a wholesale broker. 1,4Company-reported. Company-published distribution description; it does not identify the insurer for this crime placement. | 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. 8Company-reported. Home Care Business Insurance page's coverage list. |
| Issuing Insurer | Confirm in your quote. | The home care page does not name the insurer that would issue the crime or employee dishonesty coverage. 8Not 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 | Counterpart presents its insurance products and risk-management services for small businesses. 3,1Company-reported. The general audience statement is not a crime-specific underwriting rule. | 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. 8Company-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 | Counterpart’s crime page lists employee theft, forgery, computer or system fraud, funds-transfer fraud and social-engineering scenarios. 3Company-reported. These are marketing examples, not a complete insuring agreement; the actual policy defines covered loss and conditions. Counterpart separately lists funds-transfer fraud and social-engineering as crime examples. 3Company-reported. The examples do not define authentication conditions, sublimits, exclusions or how a claim would be adjusted. | 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. 8Company-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 | Confirm in your quote. | 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. 8Not publicly disclosed. Checked the Home Care Business Insurance page on 2026-09-23. |
| Risk Services | Confirm in your quote. | 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. 8Company-reported. Home Care Business Insurance page's workers'-compensation guidance and practice-leader contact sections. |
| How to Apply | Confirm in your quote. | 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. 8Company-reported. Home Care Business Insurance page's cost-and-timing section. |
Related Pages for Counterpart vs Heffernan Insurance Brokers Crime
Crime Insurance Pages for Counterpart and Heffernan Insurance Brokers
Other Coverage Lines Compared for Counterpart vs Heffernan Insurance Brokers
Other Crime Insurance Provider Comparisons
Sources for Counterpart vs Heffernan Insurance Brokers Crime Insurance
Sources About Counterpart
- Counterpart | Agentic Insurance™. Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287. Accessed 2026-09-29.
- About Counterpart. Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26. Accessed 2026-09-29.
- Commercial Crime Insurance. Counterpart, Inc.; Retained provider source: product page lists employee theft, forgery, computer/system fraud, funds-transfer and social-engineering examples; prior access 2026-09-28. Direct reopen failed in this session. Accessed 2026-09-28.
- How can I get insurance through Counterpart? Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28. 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; 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.
Sources for the Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
- Commercial Crime Coverage Application. Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.
