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

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

## Agent Guide

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

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

# 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, using peer analysis to set larger crime limits; Heffernan documents crime only within home-care, home-health and hospice packages.

## Gallagher vs Heffernan Insurance Brokers Crime Insurance Summary

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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [2](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

### 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [2](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- Ask Gallagher whether the quote is small-business or executive-risk and whether peer-analysis limits apply. [1](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [2](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Ask Heffernan how Crime – Third Party Theft and the Employee Dishonesty Bond interact. [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- Get issuing carrier names from both quotes. [1](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## Gallagher vs Heffernan Insurance Brokers Crime Insurance Compared

| 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: 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. [3](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 | 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: 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. [3](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 | 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: 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. [3](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 | 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [2](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [3](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..) |
| 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. [2](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: Home Care Business Insurance page's workers'-compensation guidance and practice-leader contact sections..) |

## About Gallagher and Heffernan Insurance Brokers and Crime Insurance

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

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

## Sources for Gallagher vs Heffernan Insurance Brokers Crime Insurance

### Sources About Gallagher

1. [Crime](https://www.gallaghersmallbusiness.com/insurance-products/crime/). Gallagher Small Business; Coverage Overview; Do you need Fidelity and Crime insurance?; Connect With An Advisor form. Accessed 2026-09-23.
2. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employee Dishonesty (Crime) and Fidelity Bond insurance section. Accessed 2026-09-23.

### Sources About Heffernan Insurance Brokers

3. [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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