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

Gallagher arranges crime with outside carriers, sending small businesses to an advisor form; Heffernan Insurance Brokers arranges third-party theft crime within its home care, home health and hospice packages.

Gallagher serves small businesses and larger accounts with peer-based limit analysis; Heffernan’s documented crime cover is limited to home-care, home-health and hospice packages, which include a separate employee dishonesty bond. ^1,^2,³

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

Gallagher recommends small-business crime for firms exposed to funds-transfer fraud, computer fraud, employee fraud or property destruction. ¹

Small-Business Fidelity and Crime Versus Home-Care Listing

Gallagher Small Business arranges Fidelity and Crime with outside carriers for small-business clients, and its Executive and Financial Risk practice places the same coverage for larger accounts. Heffernan lists Crime – Third Party Theft only inside packages for home care, home health and hospice; the reviewed sources do not describe a general commercial crime offering outside that context. Neither underwrites. ¹ ² ³

Limit Method Versus Bond Split

For larger accounts Gallagher describes setting crime limits with peer analysis and an exposure index developed by the Surety Association of America with the American Institute of Accountants. Heffernan lists an Employee Dishonesty Bond separately from Crime – Third Party Theft and does not publish bond amounts or crime limits; it discusses only general cost ranges for the overall home-care package. ² ³

Who Starts and When

Gallagher’s small-business page uses a Connect With An Advisor form asking for company details, business description, other coverage interests, employee count and annual revenue. Heffernan markets to home health providers, hospices, staffing agencies, infusion therapy providers and personal care assistants, says programs cover all states and agency sizes, and tells buyers to begin at least 30 days before working with clients. Neither page names an issuer. ¹ ³

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

If you are not in home care, ask Heffernan whether crime is available outside that package. ³
Ask Gallagher whether the quote is small-business or executive-risk and whether peer-analysis limits apply. ¹ ²
Ask Heffernan how Crime – Third Party Theft and the Employee Dishonesty Bond interact. ³
Get issuing carrier names from both quotes. ¹ ³

Gallagher vs Heffernan Insurance Brokers Crime Insurance Compared

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

Criteria	Gallagher Small Business Fidelity and Crime Insurance	Heffernan Home Care Crime Insurance
Who It’s For	Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. ¹Company-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. ³Company-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	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. ¹Company-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. ³Company-reported. Home Care Business Insurance page's cost-and-timing section.
Coverage Features	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. ¹Company-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. ³Company-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	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. ^1,²Company-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. ³Company-reported. Home Care Business Insurance page's coverage list.
Risk Services	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. ²Company-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. ³Company-reported. Home Care Business Insurance page's workers'-compensation guidance and practice-leader contact sections.