---
title: "Counterpart vs Heffernan Insurance Brokers: Crime Insurance"
description: "Heffernan documents third-party crime and employee dishonesty bond options within home-care packages; Counterpart lists a broader set of fraud examples."
canonical: "https://spot.insure/compare/counterpart-vs-heffernan/crime"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "counterpart-vs-heffernan"
provider-a: "counterpart"
provider-b: "heffernan"
coverage-line: "crime"
---

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

## Agent Guide

**What this page is:** Focused comparison of Counterpart 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 Counterpart versus Heffernan Insurance Brokers. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Counterpart vs Heffernan Insurance Brokers for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Counterpart or Heffernan Insurance Brokers?
- What does Counterpart or Heffernan Insurance Brokers publish about Crime Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Crime Insurance from Counterpart or Heffernan Insurance Brokers?

**Key facts:**
- Line: Crime Insurance. Providers: Counterpart and Heffernan Insurance Brokers.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Counterpart vs Heffernan Insurance Brokers](https://spot.insure/compare/counterpart-vs-heffernan) — parent: all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line
- [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence)
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile (evidence)
- [Counterpart vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-heffernan/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-heffernan/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/counterpart-vs-heffernan/general-liability) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/counterpart-vs-heffernan/medical-malpractice) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/counterpart-vs-heffernan/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Counterpart Crime Insurance](https://spot.insure/compare/aig-vs-counterpart/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/aig-vs-heffernan/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Counterpart Crime Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Counterpart Crime Insurance](https://spot.insure/compare/aon-vs-counterpart/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/aon-vs-heffernan/crime) — sibling comparison (other line, or other pair for this line)

# Counterpart vs Heffernan Insurance Brokers: How Do They Compare for Crime Insurance?

Heffernan documents third-party crime and employee dishonesty bond options within home-care packages; Counterpart lists a broader set of fraud examples.

## How to Use the Counterpart vs Heffernan Insurance Brokers Crime Insurance Comparison

Use this comparison to evaluate Counterpart 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.

## Counterpart vs Heffernan Insurance Brokers Crime Insurance Summary

Heffernan lists third-party crime and a separate employee-dishonesty bond in its home-care package; Counterpart’s crime page lists electronic-fraud examples. [3](https://yourcounterpart.com/products/crime "Commercial Crime Insurance") [8](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## 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](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [2](https://yourcounterpart.com/about "About Counterpart")

[Counterpart profile](https://spot.insure/insurance-providers/counterpart)

## 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](https://www.heffins.com/about-us/our-story/ "Our Story") [6](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [7](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 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](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [11](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [12](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [13](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application")

## What Are the Key Differences Between Counterpart and Heffernan Insurance Brokers 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](https://yourcounterpart.com/products/crime "Commercial Crime Insurance") [8](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### 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](https://yourcounterpart.com/products/crime "Commercial Crime Insurance") [8](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## What Should You Confirm in Counterpart and Heffernan Insurance Brokers Crime Insurance Quotes?

- For Heffernan, what does “third-party theft” mean for caregiver access to client property, and what does the bond cover separately? [8](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- For Counterpart, which employee, client-property, and social-engineering events are insured under the final form? [3](https://yourcounterpart.com/products/crime "Commercial Crime Insurance")

## Counterpart vs Heffernan Insurance Brokers Crime Insurance Compared

| 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](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [4](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: 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. [8](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 | Confirm in your quote. | The home care page does not name the insurer that would issue the crime or employee dishonesty coverage. [8](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 | Counterpart presents its insurance products and risk-management services for small businesses. [3](https://yourcounterpart.com/products/crime "Commercial Crime Insurance") [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") (Evidence: Company-reported; scope: 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. [8](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 | Counterpart’s crime page lists employee theft, forgery, computer or system fraud, funds-transfer fraud and social-engineering scenarios. [3](https://yourcounterpart.com/products/crime "Commercial Crime Insurance") (Evidence: Company-reported; scope: These are marketing examples, not a complete insuring agreement; the actual policy defines covered loss and conditions..)<br><br>Counterpart separately lists funds-transfer fraud and social-engineering as crime examples. [3](https://yourcounterpart.com/products/crime "Commercial Crime Insurance") (Evidence: Company-reported; scope: 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. [8](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 | 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. [8](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 | 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. [8](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 | 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. [8](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..) |

## Related Pages for Counterpart vs Heffernan Insurance Brokers Crime

- [Counterpart vs Heffernan Insurance Brokers](https://spot.insure/compare/counterpart-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.
- [Counterpart vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-heffernan/employment-practices)
- [Counterpart vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-heffernan/fiduciary)
- [Counterpart vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/counterpart-vs-heffernan/general-liability)
- [Counterpart vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/counterpart-vs-heffernan/medical-malpractice)
- [Counterpart vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/counterpart-vs-heffernan/professional-errors-omissions)
- [AIG vs Counterpart Crime Insurance](https://spot.insure/compare/aig-vs-counterpart/crime)
- [AIG vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/aig-vs-heffernan/crime)
- [Alliance Risk vs Counterpart Crime Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/crime)
- [Alliance Risk vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/crime)
- [Aon vs Counterpart Crime Insurance](https://spot.insure/compare/aon-vs-counterpart/crime)
- [Aon vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/aon-vs-heffernan/crime)

## Sources for Counterpart vs Heffernan Insurance Brokers Crime Insurance

### Sources About Counterpart

1. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). 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.
2. [About Counterpart](https://yourcounterpart.com/about). 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.
3. [Commercial Crime Insurance](https://yourcounterpart.com/products/crime). 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.
4. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-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

5. [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.
6. [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.
7. [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.
8. [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.

### Sources for the Crime Insurance Guide

9. [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.
10. [Crime Non-Financial Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions). Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
11. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). 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.
12. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; coverage highlights. Accessed 2026-09-16.
13. [Commercial Crime Coverage Application](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3). 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.

Updated 2026-10-01. 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.

## Counterpart Review Scores for 2026

Review Score: not enough ratings.

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.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews).

## Heffernan Insurance Brokers Review Scores for 2026

Review Score: 5.2 / 10 from 1 rated source, equally weighted.

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.

- Google reviews (aggregated by Birdeye): Google local listing rating (displayed by Birdeye) 2.6 (5 stars); 5 reviews. Portland office listing at 5100 S Macadam Avenue, matching the official Heffernan locations directory; Birdeye identifies the original review platform as Google. Checked 2026-09-25. [Heffernan Insurance Brokers - Portland reviews](https://reviews.birdeye.com/heffernan-insurance-brokers-144140015138058)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/heffernan/reviews).

## Agent and Developer Resources

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- [Public MCP server](https://spot.insure/mcp)
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