Heffernan Insurance Brokers vs 
Lockton Crime Insurance
Heffernan documents crime as third-party theft in home-care packages; Lockton places crime and fidelity, including social-engineering fraud, through a Professional & Executive Risk claims team.
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. 1,2,3
What Is Lockton?
Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. 5,6,7
What Is Crime Insurance?
Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. 9
Key Differences in Crime Insurance
Home-Care Context Versus Lockton’s Brokered Program
Heffernan arranges crime listed as Crime – Third Party Theft inside packages for home care, home health and hospice businesses; this record only documents crime in that home-care context. Lockton places Crime and Fidelity to protect businesses against financial losses from theft, fraud, forgery and embezzlement by employees or third parties and describes this as a brokered program, not a policy Lockton underwrites. Neither reviewed page names the issuing insurers. 4 8
Package Items Versus Claim Types Lockton Names
Heffernan lists Crime – Third Party Theft and a separate Employee Dishonesty Bond among the coverages in its home-care package. Lockton lists employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social-engineering impersonation fraud involving customers, vendors or employees. 4 8
Who Each Practice Names as a Buyer
Heffernan markets this crime coverage to home health and in-home 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. Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector and calls out small businesses as particularly exposed because they often lack fraud-prevention and auditing resources. 4 8
What to Confirm in Crime Insurance Quotes
- Confirm whether you belong on Heffernan’s home-care crime and employee dishonesty bond or Lockton’s Crime and Fidelity program. 4 8
- If you are a financial institution, ask Lockton whether a financial institution bond is required instead of general crime. 8
- Ask how Lockton’s Professional & Executive Risk Claims team would handle a theft claim versus Heffernan’s home-care specialists. 8 4
- Get limits and the writing company from both; Heffernan’s page does not publish crime or bond amounts. 4 8
Offering Details
Heffernan Insurance Brokers vs Lockton Crime Insurance: documented features by provider
| Criteria | Heffernan Home Care Crime Insurance | Lockton Crime and Fidelity 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. 4Company-reported. Home Care Business Insurance page's coverage list. | Lockton places Crime and Fidelity insurance to protect businesses against financial losses from theft, fraud, forgery and embezzlement by employees or third parties; it describes this as a brokered program, not a policy Lockton underwrites. 8Company-reported. Crime and Fidelity product page as read 2026-09-23. |
| 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. | The page does not name the insurers Lockton places crime and fidelity coverage with. 8Not publicly disclosed. Crime and Fidelity page checked 2026-09-23. |
| 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. | Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector, and calls out small businesses as particularly exposed because they often lack fraud-prevention and auditing resources. It also notes financial institutions are frequently required to carry a financial institution bond, distinct from general crime coverage. 8Company-reported. Crime and Fidelity product page 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. 4Company-reported. Home Care Business Insurance page's coverage list; specific insuring agreements, exclusions and endorsements for the crime coverage are not published there. | Lockton lists the claim types a crime and fidelity program is meant to address: employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social engineering (impersonation) fraud involving customers, vendors or employees. 8Company-reported. Product page as read 2026-09-23; a capability/claim-type list, not a specimen policy. |
| 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. | Not described in the reviewed sources. |
| 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. | 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. 4Company-reported. Home Care Business Insurance page's cost-and-timing section. | Not described in the reviewed sources. |
| Claims Support | Not described in the reviewed sources. | Lockton says its Professional & Executive Risk Claims team, which integrates insurance and claims counsel within the broking team rather than treating claims advocacy as a separate profit center, handles Crime and Fidelity claims. 8Company-reported. Product page as read 2026-09-23. Describes Lockton's advocacy role, not an insurer's claim-paying obligation. |
Full Comparison
More Heffernan Insurance Brokers vs Lockton 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.
Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- Technology. Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
- US Terms of Business. Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
- Crime and Fidelity Insurance. Lockton; What is Crime and Fidelity Insurance?; Who needs to purchase Crime and Fidelity Insurance?; Types of Crime and Fidelity claims; Claims management. Accessed 2026-09-23.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
