Gallagher vs Heffernan Insurance Brokers Crime Insurance

Gallagher Small Business arranges Fidelity and Crime coverage with outside carriers for small-business clients; its group-level Executive and Financial Risk practice separately places the same coverage for larger accounts. Gallagher does not underwrite either policy. ^6,3Company-reported. Small-business crime product page and the group-level executive-risk practice page.

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. ¹⁰Company-reported. Home Care Business Insurance page's coverage list.

Neither the small-business crime page nor the executive-risk practice page names the insurer that would issue a given client's crime policy. ^6,3Not publicly disclosed. Checked both pages on 2026-09-23.

The home care page does not name the insurer that would issue the crime or employee dishonesty coverage. ¹⁰Not publicly disclosed. Checked the Home Care Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations.

Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. ⁶Company-reported. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; 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. ¹⁰Company-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.

Gallagher describes Fidelity and Crime insurance as covering losses from fraudulent or dishonest acts, including credit card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. ⁶Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions.

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. ¹⁰Company-reported. Home Care Business Insurance page's coverage list; specific insuring agreements, exclusions and endorsements for the crime coverage are not published there.

Neither page publishes specific crime coverage limits or premium ranges. ^6,3Not publicly disclosed. Checked both pages on 2026-09-23.

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. ¹⁰Not publicly disclosed. Checked the Home Care Business Insurance page on 2026-09-23.

For larger accounts, Gallagher says its methodology for setting crime coverage limits includes peer analysis using third-party databases and an exposure index developed by the Surety Association of America with the American Institute of Accountants. ³Company-reported. Group-level executive-risk practice page; not confirmed as applied to the small-business product.

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. ¹⁰Company-reported. Home Care Business Insurance page's workers'-compensation guidance and practice-leader contact sections.

The small-business crime page routes buyers to a Connect With An Advisor form asking for company details, business description, other coverage interests, employee count and annual revenue. ⁶Company-reported. Product page inquiry form, inspected without submission.

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. ¹⁰Company-reported. Home Care Business Insurance page's cost-and-timing section.