---
title: "Cowbell vs Heffernan Insurance Brokers: Crime Insurance"
description: "Cowbell fits private companies under 250 employees and $50 million in assets that can access an appointed wholesaler; Heffernan’s documented crime cover is limited to home-care, home-health and hospice packages."
canonical: "https://spot.insure/compare/cowbell-vs-heffernan/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "cowbell-vs-heffernan"
provider-a: "cowbell"
provider-b: "heffernan"
coverage-line: "crime"
---

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

## Agent Guide

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

**Key facts:**
- Line: Crime Insurance. Providers: Cowbell 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 2026-09-25.

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

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

Heffernan Insurance Brokers arranges third-party-theft crime inside home care and hospice packages and offers a free rate quote; Cowbell's crime module targets companies under 250 employees and $50M in assets and is open only to appointed Zurich E&S wholesalers.

Cowbell targets private companies under 250 employees and $50 million in assets through appointed wholesalers; Heffernan lists crime within home-care, home-health and hospice packages.

## Cowbell vs Heffernan Insurance Brokers Crime Insurance Summary

Cowbell fits private companies under 250 employees and $50 million in assets that can access an appointed wholesaler; Heffernan’s documented crime cover is limited to home-care, home-health and hospice packages. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## What Are the Key Differences Between Cowbell and Heffernan Insurance Brokers Crime Insurance?

 Cowbell’s crime module targets private firms under published employee and asset caps but requires an appointed wholesaler. [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")

### Select Plus Module Versus Home-Care Package Line

Cowbell’s crime coverage is a module in Zurich’s Select Plus management-liability product, with Zurich underwriting and Cowbell operating the platform. Heffernan arranges crime as “Crime – Third Party Theft” inside insurance packages for home care, home health and hospice businesses, and the reviewed sources do not describe a general commercial crime offering outside that home-care context. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### Buyer Types

Cowbell aims the module at private companies with under 250 employees and under $50 million in assets. Heffernan markets the home-care crime listing to home health providers, hospices, staffing agencies and registries, infusion therapy providers and personal care assistants, and says those programs cover all states and agency sizes. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### Access, Paper and Nearby Coverages

Appointed Zurich E&S wholesalers buy Cowbell’s module through the API; it is not sold direct. Heffernan tells home-care businesses to start at least 30 days before working with clients and to request a free rate quote because rates vary by state. Cowbell and Zurich say Select Plus crime sits on Zurich admitted paper. Heffernan’s home-care page does not name an issuer and lists an Employee Dishonesty Bond separately from Crime – Third Party Theft, next to workers’ compensation, liability and cyber. Cowbell’s FAQ defines crime as theft, fraud and embezzlement by employees or third parties. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

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

- If you are not a home-care, home-health or hospice operation, ask Heffernan whether crime is available outside that package. [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- Confirm the appointed Zurich E&S wholesaler and Zurich issuing entity on a Cowbell quote. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus")
- Ask Heffernan how Crime – Third Party Theft and the Employee Dishonesty Bond interact on one policy. [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- Check Cowbell’s employee and asset targets against your numbers. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")

## Cowbell vs Heffernan Insurance Brokers Crime Insurance Compared

| Criteria | Cowbell / Zurich Select Plus Crime Coverage | Heffernan Home Care Crime Insurance |
| --- | --- | --- |
| Who It’s For | Cowbell targets this crime module at private companies with under 250 employees and under $50M in assets, across the same target industries listed for the broader Select Plus product. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'What size accounts are targeted?' and Target industries list..) | 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 | This crime module is accessed only by appointed Zurich E&S wholesalers through the Cowbell platform's API; it is not sold directly to businesses. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'..) | 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 | Cowbell describes crime coverage as protecting against losses resulting from criminal acts such as theft, fraud, and embezzlement committed by employees or third parties. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'What is the difference between management liability and D&O?'..) | 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 | Crime coverage is one module within Cowbell's distribution of Zurich's Select Plus management liability product; Cowbell operates the platform, Zurich underwrites the module. Zurich's own page lists 'Crime Insurance' as one of the four modules a buyer can combine. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Company-reported; scope: Management liability page intro and module list; Zurich page module-name section..) | 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 Cowbell and Heffernan Insurance Brokers and Crime Insurance

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

- [Cowbell vs Heffernan Insurance Brokers](https://spot.insure/compare/cowbell-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.
- [Cowbell Crime Insurance](https://spot.insure/insurance-providers/cowbell/crime)
- [Heffernan Insurance Brokers Crime Insurance](https://spot.insure/insurance-providers/heffernan/crime)

## Sources for Cowbell vs Heffernan Insurance Brokers Crime Insurance

### Sources About Cowbell

1. [Management liability coverage for small & medium enterprises](https://cowbell.insure/mgmt-liability/). Cowbell; FAQ 'What is the difference between management liability and D&O?' (Crime Coverage definition); Target industries list; FAQ on access and account size. Accessed 2026-09-23.
2. [Small and Midsize Business Management Liability | Zurich Select Plus](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability). Zurich North America; Intro on the Zurich/Cowbell collaboration; module name 'Crime Insurance'; FAQ 'What is the difference between management liability and D&O?' (identical to Cowbell's page); Targeted industries list; footer copyright. 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 2026-09-25. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cowbell-vs-heffernan/crime.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)