---
title: "Heffernan Insurance Brokers vs HUB International Crime Insurance"
description: "Heffernan’s reviewed crime cover is third-party theft inside home-care packages; HUB brokers employee, vendor, computer and funds-transfer fraud for private, public and nonprofit buyers."
canonical: "https://spot.insure/compare/heffernan-vs-hub-international/crime"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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# Heffernan Insurance Brokers vs HUB International Crime Insurance

Heffernan’s reviewed crime cover is third-party theft inside home-care packages; HUB brokers employee, vendor, computer and funds-transfer fraud for private, public and nonprofit buyers.

## Research Scope and Use

Use this comparison to evaluate Heffernan Insurance Brokers and HUB International for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Heffernan arranges Crime – Third Party Theft inside packages for home care, home health and hospice businesses, and the reviewed sources do not describe a general commercial crime offering outside that context. HUB brokers commercial crime rather than underwriting it, listing employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds-transfer fraud for private, public and not-for-profit organizations. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## What Is Heffernan Insurance Brokers?

Heffernan Insurance Brokers is an independent, Walnut Creek–headquartered retail brokerage that arranges business insurance, employee benefits, and related services. Its technology practice markets to mid- and late-stage companies, including venture-funded and pre-IPO firms. [1](https://www.heffins.com/about-us/our-story/ "Our Story") [2](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

[Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan)

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [5](https://www.hubinternational.com/about-us/ "About Us") [6](https://www.hubinternational.com/contact-us/ "Contact Us") [7](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Crime Insurance?

Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### Home-Care Package Line Versus HUB Crime Brokerage

Heffernan arranges crime listed as Crime – Third Party Theft as part of insurance packages for home care, home health and hospice businesses; the reviewed sources do not describe a general commercial crime offering outside home care. HUB brokers commercial crime insurance rather than underwriting it, and its crime page does not name an issuing insurer. Heffernan’s home-care page also does not name the insurer for crime or employee dishonesty. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

### Third-Party Theft Versus the Perils HUB Lists

Heffernan lists Crime – Third Party Theft and a separate Employee Dishonesty Bond among home-care package coverages, alongside workers’ compensation, general and professional liability, and cyber and identity-theft coverage. HUB lists employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds-transfer fraud as crime types it arranges. HUB cites industry statistics that organizations lose about 5% of revenue to fraud each year as context for buying crime cover. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## What to Confirm in Crime Insurance Quotes

- Confirm whether you need Heffernan’s home-care third-party theft and employee dishonesty bond or a HUB-placed commercial crime policy. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")
- Ask Heffernan for crime and bond limits separate from overall package cost ranges. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- Ask HUB whether vendor theft and funds-transfer fraud are on the proposed form. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")
- Get the writing company from both. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## Offering Details

| Criteria | Heffernan Home Care Crime Insurance | HUB International Crime Insurance Brokerage |
| --- | --- | --- |
| Role in 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..) | HUB brokers commercial crime insurance rather than underwriting the coverage itself. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: Crime insurance product page as read 2026-09-23; the page does not name an issuing insurer..) |
| Issuing Insurer | The home care page does not name the insurer that would issue the crime or employee dishonesty coverage. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Not publicly disclosed; scope: Checked the Home Care Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations..) | The crime insurance page does not name an issuing insurer; HUB places crime coverage with carriers that vary by client and placement. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Not found in reviewed sources; scope: Checked the crime insurance product page on 2026-09-23; no carrier is disclosed there..) |
| Who It’s For | 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..) | HUB says crime coverage is available for private, public and not-for-profit organizations. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: Product-page organization-type list; not a published underwriting appetite by size or industry..) |
| Coverage Features | 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..) | HUB lists crime coverage types it arranges as employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: Product-page coverage list; the issued policy and its exclusions control an actual claim..)<br><br>HUB cites industry statistics that organizations lose about 5% of revenue to fraud each year, that fraud often takes about 18 months to detect, and that more than 23% of fraud cases result in losses of $1 million or more, to frame the need for crime coverage. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: Product-page statistics are company-cited figures, not independently verified by Spot, and are general fraud statistics rather than HUB-specific claims data..) |
| Limits and Retentions | 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. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Not publicly disclosed; scope: Checked the Home Care Business Insurance page on 2026-09-23..) | Published policy limits, deductibles or premium information for HUB-placed crime coverage were not found on the product page. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Not publicly disclosed; scope: Checked the crime insurance product page on 2026-09-23; limits are set on the quote and declarations..) |
| Risk Services | 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. [4](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..) | Not described in the reviewed sources. |
| How to Apply | 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..) | HUB directs prospects to connect with a broker through its business-insurance contact page; no online quote flow is described. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) |

## Full Comparison

- [Heffernan Insurance Brokers vs HUB International](https://spot.insure/compare/heffernan-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.
- [Heffernan Insurance Brokers vs HUB International Builders Risk Insurance](https://spot.insure/compare/heffernan-vs-hub-international/builders-risk)
- [Heffernan Insurance Brokers vs HUB International Business Owner’s Policy](https://spot.insure/compare/heffernan-vs-hub-international/business-owners-policy)
- [Heffernan Insurance Brokers vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/heffernan-vs-hub-international/cargo-transit)
- [Heffernan Insurance Brokers vs HUB International Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-hub-international/commercial-auto)
- [Heffernan Insurance Brokers vs HUB International Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-hub-international/commercial-property)
- [Heffernan Insurance Brokers vs HUB International Cyber Insurance](https://spot.insure/compare/heffernan-vs-hub-international/cyber)
- [Heffernan Insurance Brokers vs HUB International Employee Health Benefits](https://spot.insure/compare/heffernan-vs-hub-international/employee-health-benefits)
- [Heffernan Insurance Brokers vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-hub-international/employment-practices)
- [Heffernan Insurance Brokers vs HUB International Fidelity Bonds](https://spot.insure/compare/heffernan-vs-hub-international/fidelity-bonds)
- [Heffernan Insurance Brokers vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/heffernan-vs-hub-international/fiduciary)
- [Heffernan Insurance Brokers vs HUB International General Liability Insurance](https://spot.insure/compare/heffernan-vs-hub-international/general-liability)
- [Heffernan Insurance Brokers vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/heffernan-vs-hub-international/hired-non-owned-auto)
- [Heffernan Insurance Brokers vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/heffernan-vs-hub-international/medical-malpractice)
- [Heffernan Insurance Brokers vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-hub-international/professional-errors-omissions)
- [Heffernan Insurance Brokers vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/heffernan-vs-hub-international/representations-warranties)
- [Heffernan Insurance Brokers vs HUB International Surety Bonds](https://spot.insure/compare/heffernan-vs-hub-international/surety-bonds)
- [Heffernan Insurance Brokers vs HUB International Trucking Insurance](https://spot.insure/compare/heffernan-vs-hub-international/trucking)
- [Heffernan Insurance Brokers vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-hub-international/workers-compensation)
- [Alliance Risk vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/crime)
- [Alliance Risk vs HUB International Crime Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/crime)
- [Beazley vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/beazley-vs-heffernan/crime)
- [Beazley vs HUB International Crime Insurance](https://spot.insure/compare/beazley-vs-hub-international/crime)
- [CFC vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/cfc-vs-heffernan/crime)
- [CFC vs HUB International Crime Insurance](https://spot.insure/compare/cfc-vs-hub-international/crime)

## Sources

### Heffernan Insurance Brokers

1. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
2. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
3. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Forward-Thinking Business Insurance: basic coverages (general liability, commercial property and auto, workers’ compensation); corporate and executive protection (EPL, D&O, fiduciary responsibility, cyber, kidnap and ransom); alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16.
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.

### HUB International

5. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
6. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
7. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
8. [Crime Insurance Brokers](https://www.hubinternational.com/products/business-insurance/crime-insurance/). HUB International; Fraud-loss statistics; coverage types: employee theft, vendor theft, forgery, asset misappropriation, computer fraud, funds transfer fraud; organization types: private, public, not-for-profit; Connect With a Broker. Accessed 2026-09-23.

### Crime Insurance Guide

9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.

Updated 2026-09-24. 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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- [Markdown page](https://spot.insure/compare/heffernan-vs-hub-international/crime.md)
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