Founder Shield vs 
Heffernan Insurance Brokers: How Do They Compare for Crime Insurance?
Founder Shield, a retail brokerage, calls crime a priority for healthcare, financial services, nonprofit and manufacturing or retail firms; Heffernan Insurance Brokers builds third-party theft crime into home care packages and offers a free rate quote.
Founder Shield names healthcare, financial services, nonprofits and manufacturing or retail as priority crime buyers; Heffernan’s documented crime cover is limited to home-care, home-health and hospice packages. 1,3,4
What Are the Key Differences Between Founder Shield and Heffernan Insurance Brokers Crime Insurance?
The healthcare overlap is specific: Founder Shield names healthcare as a priority industry, while Heffernan’s crime listing is attached to home-care, home-health and hospice insurance packages. If your business is outside those categories, Heffernan’s reviewed sources do not describe a crime offer for it. 1 4
Cross-Industry Placement Versus Home-Care Package
Founder Shield is a retail brokerage that places crime with A-rated carriers for clients it says need it because of internal or external theft, especially in healthcare, financial services, non-profits and manufacturing/retail. Heffernan arranges Crime – Third Party Theft only as documented inside home-care, home-health and hospice packages; the reviewed sources do not describe a general commercial crime offering outside that context. 2 1 4
Healthcare Overlap Is Not the Same Product
Both mention healthcare-related buyers, but they are not describing the same package. Founder Shield’s healthcare mention sits with financial services, non-profits and manufacturing/retail as theft-exposed industries. Heffernan names 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 4
Bonds, Timing and Carrier Screen
Heffernan lists an Employee Dishonesty Bond separately from Crime – Third Party Theft and tells agencies to start at least 30 days before working with clients. Founder Shield lists employee dishonesty (identified employee), forgery or alteration, computer fraud, and funds-transfer fraud from social engineering, and says it approaches only A-rated carriers. Heffernan’s home-care page does not name an issuer. You request Founder Shield coverage through its website or an advisor. 4 1 3 2
What Should You Confirm in Founder Shield and Heffernan Insurance Brokers Crime Insurance Quotes?
- If you are not a home-care operator, ask Heffernan whether crime is available outside that package. 4
- Ask Founder Shield which A-rated carrier it is approaching. 3
- Ask Heffernan how third-party theft crime and the employee dishonesty bond coordinate. 4
- Compare social-engineering funds-transfer wording on Founder Shield’s placed form with Heffernan’s home-care crime listing. 1 4
Founder Shield vs Heffernan Insurance Brokers Crime Insurance Compared
Founder Shield vs Heffernan Insurance Brokers: Crime Insurance: documented features by provider
| Criteria | Founder Shield Crime Insurance | Heffernan Home Care Crime Insurance |
|---|---|---|
| Who It’s For | Founder Shield calls this coverage a priority for healthcare, financial services, non-profit and manufacturing/retail companies because of their exposure to internal or external theft. 1Company-reported. Crime Insurance product page. | 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. 4Company-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. |
| How to Apply | You request Founder Shield Crime Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. 2,3Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form. | 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. 4Company-reported. Home Care Business Insurance page's cost-and-timing section. |
| Coverage Features | Founder Shield lists employee dishonesty (theft or embezzlement by an identified employee), forgery or alteration of financial instruments, computer fraud, and funds-transfer fraud from social engineering as the branches of crime coverage it places. 1Company-reported. Product page; the issued policy and declarations control actual coverage. | 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. 4Company-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 | Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Crime Insurance with third-party carriers rather than underwriting the policy itself. 2Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line. | 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. 4Company-reported. Home Care Business Insurance page's coverage list. |
