---
title: "Founder Shield vs Heffernan Insurance Brokers: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/foundershield-vs-heffernan/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "foundershield-vs-heffernan"
provider-a: "foundershield"
provider-b: "heffernan"
coverage-line: "crime"
---

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

## Agent Guide

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

**Key facts:**
- Line: Crime Insurance. Providers: Founder Shield 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:**
- [Founder Shield vs Heffernan Insurance Brokers](https://spot.insure/compare/foundershield-vs-heffernan) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Founder Shield profile](https://spot.insure/insurance-providers/foundershield) — provider profile
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile

# 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 focuses on healthcare, finance, nonprofits and manufacturing or retail; Heffernan lists crime only within home-care, home-health and hospice packages.

## Founder Shield vs Heffernan Insurance Brokers Crime Insurance Summary

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](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## 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](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### 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](https://foundershield.com/about-us/ "About Us") [1](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### 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](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [1](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [2](https://foundershield.com/about-us/ "About Us")

## 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- Ask Founder Shield which A-rated carrier it is approaching. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")
- Ask Heffernan how third-party theft crime and the employee dishonesty bond coordinate. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- Compare social-engineering funds-transfer wording on Founder Shield’s placed form with Heffernan’s home-care crime listing. [1](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## Founder Shield vs Heffernan Insurance Brokers Crime Insurance Compared

| 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. [1](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: 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. [4](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 | 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](https://foundershield.com/about-us/ "About Us") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: 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. [4](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 | 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. [1](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: 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. [4](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 | 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. [2](https://foundershield.com/about-us/ "About Us") (Evidence: Company-reported; scope: 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. [4](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 Founder Shield and Heffernan Insurance Brokers and Crime

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

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

## Sources for Founder Shield vs Heffernan Insurance Brokers

### Sources About Founder Shield

1. [Crime Insurance](https://foundershield.com/coverage/crime-insurance/). Founder Shield; What Is Crime Insurance?; Who Needs Crime Insurance Coverage?; What Does Crime Insurance Cover?. Accessed 2026-09-23.
2. [About Us](https://foundershield.com/about-us/). Founder Shield; “Founder Shield is the innovation arm of The Baldwin Group”; company history and mission. Accessed 2026-09-23.
3. [How Do You Decide Which Carriers to Approach?](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/). Founder Shield; FAQ answer on carrier selection: works exclusively with A-rated (AM Best) carriers, matched by industry appetite. Accessed 2026-09-23.

### Sources About Heffernan Insurance Brokers

4. [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.

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