--- title: "Heffernan Insurance Brokers vs HUB International: Fidelity Bonds" description: "Heffernan names fidelity products for home-care agencies and family offices; HUB ProEx lists Crime/Fidelity and financial-institution bonds with analytics and litigation support." canonical: "https://spot.insure/compare/heffernan-vs-hub-international/fidelity-bonds" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "heffernan-vs-hub-international" provider-a: "heffernan" provider-b: "hub-international" coverage-line: "fidelity-bonds" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. 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[Human-readable page](https://spot.insure/compare/heffernan-vs-hub-international/fidelity-bonds) ## Agent Guide **What this page is:** Focused comparison of Heffernan Insurance Brokers and HUB International for Fidelity Bonds: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Fidelity Bonds 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 Fidelity Bonds: how do they differ? - Which is better for Fidelity Bonds, Heffernan Insurance Brokers or HUB International? - What does Heffernan Insurance Brokers or HUB International publish about Fidelity Bonds (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Fidelity Bonds. 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 - [Fidelity Bonds guide](https://spot.insure/coverage/fidelity-bonds) — 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 Fidelity Bonds? Heffernan Insurance Brokers places different fidelity bond options for home-care agencies and financial firms through insurers. HUB International places crime and fidelity coverage through its ProEx practice and directs buyers to a specialist. Heffernan names home-care and family-office fidelity products; HUB ProEx adds analytics and litigation support around its crime and financial-institution bonds. ## Heffernan Insurance Brokers vs HUB International Fidelity Bonds Summary Heffernan names fidelity products for home-care agencies and family offices; HUB ProEx lists Crime/Fidelity and financial-institution bonds with analytics and litigation support. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.heffins.com/family-office/ "Family Office") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ## What Are the Key Differences Between Heffernan Insurance Brokers and HUB International Fidelity Bonds? ### Named Buyer Groups Versus ProEx Support Heffernan lists an Employee Dishonesty Bond for home-care, home-health and hospice agencies, plus a Fidelity/financial-institution bond for family offices and related firms. HUB ProEx lists Crime/Fidelity and Financial Institution Bonds and describes analytics, litigation support and risk management. The reviewed HUB page gives no bond-specific eligibility criteria. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.heffins.com/family-office/ "Family Office") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") Choose Heffernan if you run a home-care agency or family office; choose HUB if you want ProEx analytics and litigation support. ### Named Buyers Versus Unstated Eligibility Heffernan names home care, home health and hospice agencies, plus family offices, trustees, advisors, private equity firms and foundations. HUB’s ProEx page does not publish size, industry or state criteria specific to these bonds. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.heffins.com/family-office/ "Family Office") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ### Services Around Claims and Risk HUB says the ProEx team provides analytics, litigation support and risk-management for clients of all sizes. Heffernan’s claims-advocacy page lists workers’ compensation, general liability, auto and property, and does not describe fidelity or crime-bond claims handling. Neither reviewed source names an insurer or a bond penalty. HUB asks you to contact a ProEx specialist. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [3](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") ## What Should You Confirm in Heffernan Insurance Brokers and HUB International Fidelity Bonds Quotes? - Ask Heffernan which of the two product names applies and which carrier would write it. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.heffins.com/family-office/ "Family Office") - Ask HUB whether the quote is Crime/Fidelity, a financial institution bond, or both. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Get penalty amounts and deductibles from both; the public pages omit them. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Ask each firm who advocates on a fidelity claim. [3](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ## Heffernan Insurance Brokers vs HUB International Fidelity Bonds Compared | Criteria | Heffernan Employee Dishonesty / Fidelity Bonds | HUB International Crime and Fidelity Bond Brokerage | | --- | --- | --- | | Coverage Features | Heffernan uses two different bond product names for its two client segments: "Employee Dishonesty Bond" for home-care agencies and "Fidelity/financial institution bond" for family offices and financial firms. Neither page describes the bond's insuring agreement, exclusions, or claim triggers. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Home Care and Family Office pages as read on 2026-09-23..) | HUB's ProEx coverage list names "Crime / Fidelity" as an Executive Liability offering and "Financial Institution Bonds" as a separate Financial Institutions offering, but the page gives no further description of insuring agreements, covered dishonest-act scenarios or exclusions for either. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page coverage list only; these are catalogue entries, not policy-form descriptions..) | | Role in This Line | Heffernan arranges fidelity-type bonds as one line within two specialty practices: an Employee Dishonesty Bond for home-care agencies and a Fidelity/financial institution bond for family offices and financial firms. It places these bonds with insurers rather than issuing them itself. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Home Care and Family Office practice-page listings; no dedicated fidelity-bond product page was found..) | HUB places crime and fidelity bond coverage, including financial institution bonds, through its ProEx Professional & Executive Risk practice alongside other executive-liability and financial-institution lines, rather than underwriting these bonds itself. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for Crime/Fidelity or Financial Institution Bonds..) | ## About Heffernan Insurance Brokers and HUB International - [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 Are Fidelity Bonds?](https://spot.insure/coverage/fidelity-bonds) ## 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 Are Fidelity Bonds?](https://spot.insure/coverage/fidelity-bonds): Fidelity coverage can reimburse certain losses from employee theft; identify whether you need protection for company funds, client property or benefit-plan assets. - [Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/insurance-providers/heffernan/fidelity-bonds) - [HUB International Fidelity Bonds](https://spot.insure/insurance-providers/hub-international/fidelity-bonds) ## 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; We offer comprehensive coverage for: ... Crime - Third Party Theft, Employee Dishonesty Bond, Cyber & Identity Theft, Medical Billing E&O, Property Coverage and more. Accessed 2026-09-23. 2. [Family Office](https://www.heffins.com/family-office/). Heffernan Insurance Brokers; Coverage for Family Offices, Trustees & Financial Firms: ... Trustee liability insurance, Property and auto insurance, Fiduciary liability insurance, Fidelity/financial institution bond, Cyber liability insurance, Crime insurance, General liability insurance. Accessed 2026-09-23. 3. [Claims Advocacy](https://www.heffins.com/business-insurance/claims-advocacy/). Heffernan Insurance Brokers; Services We Offer: Workers' Compensation Claims Expertise; Medical Triage Services; General Liability, Auto & Property Claims Support; Online Risk Management & HR Support; Streamlined Vendor Compliance. Accessed 2026-09-23. ### Sources About HUB International 4. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; ProEx Coverages list including Crime / Fidelity under Executive Liability and Financial Institution Bonds under Financial Institutions; Claims & Legal Support section; ProEx premium volume statement. 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/fidelity-bonds.md) - [Developer resources](https://spot.insure/developers) - [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)