Heffernan Insurance Brokers vs 
Liberty Mutual: How Do They Compare for Crime Insurance?
What Is Heffernan Insurance Brokers?
Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. 1,2,3
What Is Liberty Mutual Business Insurance?
Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. 5,6
What Is Crime Insurance?
Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. 8,9,10,11,12
Key Differences in Crime Insurance
Home-Care Package or Management-Liability Package
Heffernan lists “Crime – Third Party Theft” and a separate Employee Dishonesty Bond inside its home-care insurance package. That makes its documented route specific to home health, hospice, and related care organizations. Liberty Mutual puts crime in ProShield, its package for private and not-for-profit organizations, so a buyer looking for several management-liability lines may consider crime alongside those other protections. 4 7
Different Publicly Described Fraud Examples
Liberty Mutual names employee dishonesty, embezzlement, safe burglary, and computer fraud among ProShield’s crime exposures. Heffernan’s home-care page names third-party theft and employee dishonesty as separate items, but does not specify the mechanics of either. A care provider should ask Heffernan how its wording treats employee theft versus theft by clients or other outsiders; a ProShield buyer should match the listed examples to its own fraud scenarios. 7 4
Buyer Fit and Quote Timing
Heffernan says its home-care program serves agencies of all sizes across states and asks businesses to start at least 30 days before serving clients. Liberty Mutual identifies private and nonprofit organizations as ProShield’s audience but does not establish a specific organization's eligibility. A home-care agency can use Heffernan’s stated lead time for planning; other organizations should ask Liberty Mutual whether their structure fits ProShield. 4 4 7
What to Confirm in Crime Insurance Quotes
- Ask Heffernan for the crime form and how the separate Employee Dishonesty Bond coordinates with the listed third-party theft coverage. 4
- Ask Liberty Mutual for the ProShield form and schedule showing the crime limit, deductible, and any sublimits for computer fraud or safe burglary. 7
- Ask Heffernan to identify the issuing insurer and ask Liberty Mutual which insurer would issue your ProShield policy; then compare their forms against your employee, vendor, and client-related loss scenarios. 4 7
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Heffernan Insurance Brokers
Review Score
1 rated source
Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business.[6][7][8]
Read Heffernan Insurance Brokers reviewsLiberty Mutual
Review Score
2 rated sources
Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.[4][1]
Read Liberty Mutual reviewsOffering Details
Heffernan Insurance Brokers vs Liberty Mutual: Crime Insurance: documented features by provider
| Criteria | Heffernan Home Care Crime Insurance | Liberty Mutual ProShield Crime coverage |
|---|---|---|
| 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. 4Company-reported. Home Care Business Insurance page's coverage list. | Liberty Mutual includes crime coverage in its ProShield management-liability package for private and not-for-profit organizations. 7Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Issuing Insurer | The home care page does not name the insurer that would issue the crime or employee dishonesty coverage. 4Not publicly disclosed. Checked the Home Care Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations. | Confirm in your quote. |
| 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. 4Company-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. | The source scopes ProShield to private and not-for-profit organizations; a specific organization’s eligibility is not established. 7Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| 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. 4Company-reported. Home Care Business Insurance page's coverage list; specific insuring agreements, exclusions and endorsements for the crime coverage are not published there. | The ProShield page lists employee dishonesty, embezzlement, safe burglary, computer fraud and other crime exposures, plus selected coverage enhancements; these are marketing summaries, not policy terms. 7Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| 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. 4Not publicly disclosed. Checked the Home Care Business Insurance page on 2026-09-23. | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 7Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. |
| 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. 4Company-reported. Home Care Business Insurance page's workers'-compensation guidance and practice-leader contact sections. | Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. 7Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| 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. 4Company-reported. Home Care Business Insurance page's cost-and-timing section. | Confirm in your quote. |
Full Comparison
More Heffernan Insurance Brokers vs Liberty Mutual Comparisons
Other Crime Insurance Comparisons
Sources
Heffernan Insurance Brokers
- Our Story. Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
- Technology Company Insurance. 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.
- Heffernan Business Insurance Brokerage. 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.
- Home Care Business Insurance. 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.
Liberty Mutual
- Company Profile. Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide). Accessed 2026-09-29.
- Commercial Insurance Solutions. Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary. Accessed 2026-09-29.
- ProShield. Liberty Mutual Business Insurance; Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms. Accessed 2026-09-29.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
- Commercial Crime Coverage Application. Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.
