---
title: "Heffernan Insurance Brokers vs HUB International: Crime Insurance"
description: "Heffernan fits home-care, home-health and hospice agencies seeking third-party theft cover in a package; HUB serves private, public and nonprofit organizations and lists vendor theft, forgery and funds-transfer fraud."
canonical: "https://spot.insure/compare/heffernan-vs-hub-international/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "heffernan-vs-hub-international"
provider-a: "heffernan"
provider-b: "hub-international"
coverage-line: "crime"
---

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

## Agent Guide

**What this page is:** Focused comparison of Heffernan Insurance Brokers and HUB International 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 Heffernan Insurance Brokers versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

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

# Heffernan Insurance Brokers vs HUB International: How Do They Compare for Crime Insurance?

Heffernan Insurance Brokers arranges crime within packages for home care, hospice and related providers and names practice leaders as contacts; HUB International brokers crime for private, public and not-for-profit organizations and cites fraud statistics.

Heffernan documents third-party crime only in home-care packages; HUB brokers crime for private, public and nonprofit organizations and lists vendor theft and funds-transfer fraud.

## Heffernan Insurance Brokers vs HUB International Crime Insurance Summary

Heffernan fits home-care, home-health and hospice agencies seeking third-party theft cover in a package; HUB serves private, public and nonprofit organizations and lists vendor theft, forgery and funds-transfer fraud. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## What Are the Key Differences Between Heffernan Insurance Brokers and HUB International Crime Insurance?

If you do not operate a home-care, home-health or hospice business, Heffernan’s reviewed pages do not describe a crime offer for you. HUB’s stated buyer categories are broader and include public and nonprofit organizations. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

### 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. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](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. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## What Should You Confirm in Heffernan Insurance Brokers and HUB International 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. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](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. [1](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. [2](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")
- Get the writing company from both. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## Heffernan Insurance Brokers vs HUB International Crime Compared

| Criteria | Heffernan Home Care Crime Insurance | HUB International Crime Insurance Brokerage |
| --- | --- | --- |
| 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. [1](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. [2](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..) |
| 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. [1](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. [2](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..) |
| 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. [1](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. [2](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. [2](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 us, and are general fraud statistics rather than HUB-specific claims data..) |
| 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. [1](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. [2](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..) |

## About Heffernan Insurance Brokers and HUB International and Crime

- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Heffernan Insurance Brokers vs HUB International

- [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 addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [Heffernan Insurance Brokers Crime Insurance](https://spot.insure/insurance-providers/heffernan/crime)
- [HUB International Crime Insurance](https://spot.insure/insurance-providers/hub-international/crime)

## Sources for Heffernan Insurance Brokers vs HUB International

### Sources About Heffernan Insurance Brokers

1. [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.

### Sources About HUB International

2. [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.

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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/heffernan-vs-hub-international/crime.md)
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- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)