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

Heffernan Insurance Brokers arranges third-party theft crime cover within packages for home care, home health and hospice providers; Embroker sells crime as a standalone policy and flags businesses with part-time staff, cash or inventory as more exposed.

Embroker fits businesses seeking standalone crime or a BOP/D&O add-on; Heffernan’s documented crime cover is limited to home-care, home-health and hospice businesses. ^1,²

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

Embroker lists broader commercial crime and exclusions such as income loss and executive-employee collusion. ² ¹

General Commercial Crime Versus Home-Care Listing

Embroker sells commercial crime as a standalone policy and notes that smaller businesses sometimes add it to a BOP or D&O policy. Heffernan lists Crime – Third Party Theft as part of packages for home care, home health and hospice; the reviewed sources do not describe a general commercial crime offering outside that context. ¹ ²

Who Each Page Addresses

Embroker flags businesses with part-time staff, cash, inventory or expensive equipment, or customer data as more exposed. Heffernan markets the listing to home health providers, hospices, staffing agencies and registries, infusion therapy providers and personal care assistants, and says programs cover all states and agency sizes. ¹ ²

Perils, Bonds and Timing

Embroker lists employee theft including shoplifting, third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social-engineering fraud, plus named exclusions, and distinguishes customer-reimbursing fidelity bonds from crime policies. Heffernan lists Crime – Third Party Theft and a separate Employee Dishonesty Bond beside workers’ compensation, liability and cyber, without those peril or exclusion details. Heffernan tells home-care firms to begin at least 30 days before working with clients. Embroker’s crime page uses a general Get a Quote link. Neither page names an issuer or publishes crime limits. ¹ ²

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

If you are not in home care, ask Heffernan whether crime is available outside that package. ²
Ask Embroker whether the quote is standalone crime, an endorsement, or a fidelity bond. ¹
Ask Heffernan how third-party theft crime and the employee dishonesty bond sit together. ²
Compare Embroker’s income-loss and collusion exclusions with Heffernan’s bound home-care forms. ¹ ²

Embroker vs Heffernan Insurance Brokers Crime Insurance Compared

Embroker vs Heffernan Insurance Brokers: Crime Insurance: documented features by provider

Criteria	Embroker Commercial Crime Insurance	Heffernan Home Care Crime Insurance
Who It’s For	Embroker points to businesses that hire part-time staff, handle cash transactions, manage inventory or expensive equipment, or handle customer data and digital transactions as more exposed and more likely to need the coverage. ¹Company-reported. Product-page 'Who benefits most' section; not a formal underwriting appetite statement.	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. ²Company-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	Embroker lists coverage for employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering fraud. ¹Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy excludes loss of income, indirect losses, crimes committed by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. ¹Company-reported. Product-page What's not included section. Embroker distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers who suffer crime-related damages. ¹Company-reported. Product-page FAQ comparing fidelity bonds and commercial crime insurance.	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. ²Company-reported. 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	Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add crime coverage as an endorsement to a BOP or a directors and officers policy instead. ¹Company-reported. Product-page description; not a statement about the issuing insurer.	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. ²Company-reported. Home Care Business Insurance page's coverage list.

Criteria

Embroker Commercial Crime Insurance

Heffernan Home Care Crime Insurance

Who It’s For

Embroker points to businesses that hire part-time staff, handle cash transactions, manage inventory or expensive equipment, or handle customer data and digital transactions as more exposed and more likely to need the coverage. ¹Company-reported. Product-page 'Who benefits most' section; not a formal underwriting appetite statement.

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. ²Company-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

Embroker lists coverage for employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering fraud. ¹Company-reported. Product-page What's covered section; the issued policy and declarations control.

Embroker says the policy excludes loss of income, indirect losses, crimes committed by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. ¹Company-reported. Product-page What's not included section.

Embroker distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers who suffer crime-related damages. ¹Company-reported. Product-page FAQ comparing fidelity bonds and commercial crime insurance.

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. ²Company-reported. 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

Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add crime coverage as an endorsement to a BOP or a directors and officers policy instead. ¹Company-reported. Product-page description; not a statement about the issuing insurer.

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. ²Company-reported. Home Care Business Insurance page's coverage list.