Coverdash vs Heffernan Insurance Brokers Crime Insurance

Coverdash arranges commercial crime coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^3,4Company-reported. General brokerage terms applied to the crime page; not specific to any one carrier or state.

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.

The commercial crime page does not name the insurer that issues the policy. ⁴Not publicly disclosed. Reviewed commercial crime page as of 2026-09-23; the page describes coverage without naming a specific carrier.

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.

Coverdash markets commercial crime coverage to any business that handles money, payroll or valuable inventory. ⁴Company-reported. Product-page eligibility description; actual acceptance depends on underwriting.

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.

Coverdash describes commercial crime coverage as protecting against employee theft of money, property or assets, forged checks and counterfeit currency, fraudulent funds-transfer instructions, and losses when an employee is tricked by social engineering into sending funds to a bad actor. ⁴Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions.

Coverdash's coverage hub lists commercial crime separately from cyber insurance, even though both can respond to funds-transfer fraud and social-engineering losses; the two pages do not state how overlapping claims are coordinated between policies. ⁴Not found in reviewed sources. Comparison of the cyber and crime-coverage product pages; overlap-resolution language was not found on either page.

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.

The commercial crime page does not publish specific limit, retention or deductible amounts. ⁴Not publicly disclosed. Reviewed commercial crime page as of 2026-09-23; figures are quote-specific and not shown on the public product page.

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.

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.

Coverdash describes a fully digital quote-to-purchase process for commercial crime coverage, with the option to add other coverages alongside it. ⁴Company-reported. Product-page company information and cross-sell section.

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.